$539,0004 bd · 2 ba · 2,030 sq ft
Active·137 days on market
95025 Lousheltony Road
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Preferred lender offering free 1 year rate buy down for qualified buyers! Welcome to this beautifully fully renovated 4-bedroom, 2-bath home nestled on a private, tree-lined lot in Fernandina Beach. Combining modern style with peaceful surroundings, this home features fresh curb appeal, manicured landscaping, and a functional floor plan designed for everyday living and entertaining. The spacious living areas are filled with natural light, while the kitchen offers plenty of space to gather and connect. Step outside to your own backyard oasis featuring a sparkling private pool, perfect for relaxing, entertaining, or enjoying Florida's year-round sunshine. Surrounded by mature trees and lush greenery, the property offers exceptional privacy and a serene setting. Conveniently located near Amelia Island beaches, shopping, dining, schools, and major commuter routes, this move-in-ready home is the perfect blend of comfort, convenience, and Florida living.
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 (that applies to the reference bill above too).
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.
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 1992)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,668 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.
As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Scott Road Beach Accessabout 5 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 6 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 2 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Walmart Supercenterabout 3 mi · 464016 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $300,000 in May 2026(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $382,844 | $114,938 | — |
| 2025 | $341,489 | $111,254 | — |
| 2024 | $306,815 | $107,411 | — |
| 2023 | $297,606 | $102,826 | — |
| 2022 | $230,438 | $98,375 | — |
| 2021 | $187,162 | $94,053 | — |
| 2020 | $162,183 | $92,064 | — |
2025 property taxes (current owner): $1,867/yr
Estimated taxes if purchased at asking price: ~$8,700/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Oct 26, 2026Price change$539,000−$10,300
- Sep 21, 2026Price change$549,300+$300
- Sep 11, 2026Price change$549,000−$10,000
- Sep 2, 2026Active$559,000
- Aug 27, 2026Active Under Contract$559,000
- Aug 21, 2026Price change$559,000−$20,000
- Jul 21, 2026Price change$579,000−$10,000
- Jun 29, 2026Listed$589,000
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 $227/sq ft; this home is listed at $266/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $405,000 | $227 | 3/2 | 1,787 | 89 | 0.4 |
| 95057 Terri'S Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $393,000 | $177 | 4/2.5 | 2,225 | 89 | 0.6 |
| 95179 Greenberry Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Oct 2026 | $519,000 | $227 | 3/2 | 2,287 | 62 | 0.7 |
| 95967 Surrey Place, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2026 | $425,000 | $178 | 4/3 | 2,388 | 22 | 0.8 |
| 95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $193 | 4/2.5 | 2,285 | 9 | 0.8 |
| 95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $569,900 | $238 | 4/3 | 2,396 | 98 | 0.8 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
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.
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Krista Fracke
Broker Associate
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