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 home near Yulee High School.

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Active

Active·46 days on market

83796 Nether Street

Fernandina Beach, FL 32034

$444,900$219/sqftEst. $2,294/moMLS# 2151673

Beds

Baths

2,033

Sq Ft

2020

Built

Garage

Pool

About this home

Fernandina Beach

This beautifully maintained home in a gated and gas community in Fernandina Beach offers the perfect blend of modern luxury, low-maintenance living, and unbeatable location--complete with Yard Maintenance included in the monthly HOA fee. Featuring not one, but TWO OWNER'S SUITES with private ensuite bathrooms. This thoughtfully designed residence is ideal for multi-generational living, guests, or ultimate privacy and comfort. This open concept floor plan filled with natural light, stylish modern fixtures and high ceilings adds a special touch to this home. This Chef's kitchen is equipped with contemporary cabinetry, stainless steel appliances, a large kitchen island with ample granite counter space, flowing seamlessly into the dining and living areas. Beautiful Tile plank flooring throughout with brand new carpet in bedrooms. Enjoy your screened in Lania overlooking the lovely fenced in yard. The owners have recently added many upgrades such as a new Washer and Dryer and Refrigerator.

Cost to own

Mortgage calculator

Home Price

$444,900

Down Payment: 20%

$88,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $614

Insurance (est.): $297

Estimated Total Monthly

$3,205

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,294

Property taxesest. at asking price, Nassau County$614

HOAbilled annually$82

Estimated total, before insurance$2,990/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,859/yr · $405/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

Year	Market value	Taxable value	Change
2025	$353,939	$303,217	—
2024	$341,513	$337,340	—
2023	$314,635	$306,673	—
2022	$289,427	$278,794	—
2021	$253,449	$253,449	—
2020	$42,000	$42,000	—

2025 property taxes (current owner): $4,859/yr

Estimated taxes if purchased at asking price: ~$7,400/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 (2025), 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 2020)

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

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

Ask about this home

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 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 22, 2026Listed$444,900

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

Features

Price$444,900

Price / Sq Ft$219

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,033

Acres0.14 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address83796 Nether Street, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionVillage Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,098.4 sq ft

Parcel Number402N27110100260000

Amenities

AmenitiesPool, Maintenance Grounds, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LaundryGas Dryer Hookup

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)