This home is in Marsh Lakes, Fernandina Beach — a waterfront home in Nassau County.
Sold·Closed Aug 24, 2026·16 days on market·Recent sales in Marsh Lakes·Marsh Lakes
96184 Marsh Lakes Drive
Fernandina Beach, FL 32034
2 more homes for sale in Marsh Lakes →Search Marsh Lakes on the map
About this home
Marsh Lakes
Discover your dream waterfront retreat at 96184 Marsh Lakes Dr, Fernandina Beach, FL! This fully remodeled home features a deep water dock with a 12x30 foot boat slip, dual motor lift, and a 10x16 floater with electric and water connections--perfect for boating adventures. Step inside to a stylish kitchen with new KitchenAid appliances opening to a bright living space. Enjoy new flooring, and a dedicated laundry room with new cabinets, washer, and dryer. Every detail has been thoughtfully designed with new light fixtures and fans. This private lot offers tranquility with no neighbors to the west, adjacent to a neighborhood trail for leisurely walks. Experience breathtaking sunrises and flood tide fishing right from your backyard--a true paradise! The property also includes an in-law suite with a full bathroom for added comfort. Just a 7-minute boat ride to downtown Fernandina for local shops and dining. This home is not just a place to live; it's a lifestyle. Schedule your showing!
Next steps in Marsh Lakes
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,740 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2022 | $608,168 | $251,208 | — |
| 2021 | $527,631 | $242,435 | — |
| 2020 | $504,487 | $238,397 | — |
Estimated taxes if purchased at asking price: ~$25,300/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 (2022), NEFMLS.
History
Price & status history
- Aug 26, 2026Closed$1,600,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $263/sq ft; this home is listed at $610/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $615,000 | $296 | 4/2 | 2,075 | 122 | 0.9 |
| 95402 Woodbridge Parkway, Fernandina Beach, FL 32034Listed by CHAD AND SANDY REAL ESTATE GROUP | Oct 2026 | $465,000 | $176 | 5/3 | 2,640 | 20 | 1.1 |
| 95443 Woodbridge Parkway, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $355,000 | $134 | 5/2.5 | 2,640 | 109 | 1.3 |
| 96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $592,000 | $263 | 3/2.5 | 2,251 | 111 | 1.3 |
| 96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $675,000 | $298 | 4/2 | 2,265 | 6 | 1.4 |
| 96030 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLC | Sep 2026 | $420,000 | $203 | 3/2 | 2,070 | 50 | 1.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SHRIMP CAPITAL REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Marsh Lakes
Marsh Lakes is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Marsh Lakes homes for sale →Keep looking
More homes in Marsh Lakes
For Sale96224 Marsh Lakes DriveFernandina Beach, FL 32034
4 bd · 4.5 ba · 3,415 sq ft
$1,600,000Est. $8,516/moSet on a quiet cul-de-sac in Marsh Lakes Estates, this thoughtfully remodeled Intracoastal home offers sweeping views…
Listing Office: one sotheby's international realty
For Sale93034LP Harbor CourtFernandina Beach, FL 32034
3 bd · 2 ba · 1,960 sq ft
$661,000Est. $3,518/moBring your most meticulous buyers--this isn't standard builder grade! Located in the prestigious Marsh Lakes Village…
Listing Office: fernandina beach realty
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines