Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a golf community home on Amelia Island.

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Active

Active·48 days on market

85709 Bostick Wood Drive

Fernandina Beach, FL 32034

$1,150,000$251/sqftEst. $5,864/moMLS# 2151080

Beds

Baths

4,586

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Few settings in North Hampton feel this PRIVATE, with a FLAT HALF-ACRE LOT outside the flood zone and 37 protected acres of tree canopy behind it. With FOUR BEDROOMS, FIVE BATHS, TWO FLEX SPACES AND A 3-CAR GARAGE, the home offers rare room to spread out, host comfortably and adapt as needs change. A gracious entry opens to soaring ceilings, arched details and airy spaces framed by curved walls of glass overlooking the pool. At the center, the nearly 20-FOOT FAMILY ROOM impresses with FIREPLACE, WALL OF WINDOWS, THEATRE-QUALITY SURROUND SOUND AND WHOLE-HOUSE MUSIC throughout the home, garage and lanai. The well-equipped kitchen offers abundant storage, prep space and a central island, with an OPEN FLOW TO THE BREAKFAST AREA, FAMILY ROOM AND SCREENED OUTDOOR LIVING. The MAIN-LEVEL PRIMARY SUITE INCLUDES POOL ACCESS, double tray ceiling, dual walk-in closets and large ensuite bath. A DEDICATED OFFICE sits nearby, while two GUEST BEDROOMS share a Jack-and-Jill bath.

Cost to own

Mortgage calculator

Home Price

$1,150,000

Down Payment: 20%

$230,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,864

Principal & Interest: $5,864

Property taxes (est.): $1,588

Insurance (est.): $767

Estimated Total Monthly

$8,218

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$5,864

Property taxesest. at asking price, Nassau County$1,588

HOAbilled semi-annually$219

Estimated total, before insurance$7,670/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,585/yr · $632/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,585/yr

Estimated taxes if purchased at asking price: ~$19,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2006)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,716 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jun 17, 2026Listed$1,150,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,150,000

Price / Sq Ft$251

Bedrooms4

Bathrooms5.00

Full Baths5

Square Footage4,586

Acres0.51 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

Community Information

Address85709 Bostick Wood Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size22,215.6 sq ft

Parcel Number122N27146002330000

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Launch, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPool, Protected Preserve

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

SecuritySecurity System Owned

Spa FeaturesIn Ground, Heated