Sold·Closed Sep 22, 2026·45 days on market
95289 Plum Loop
Fernandina Beach, FL 32034
About this lot
Fernandina Beach
Build your dream home on this beautiful 2.01-acre homesite in Fernandina Beach. Mature trees, paved road access, no HOA, and plenty of privacy. Conveniently located near Amelia Island beaches, shopping, dining, and historic downtown Fernandina Beach.
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • 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).
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.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
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 7 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 2 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $155,176 | $76,881 | — |
| 2024 | $125,298 | $69,892 | ▲ $6,000 |
| 2023 | $119,842 | $63,538 | — |
| 2022 | $71,682 | $57,762 | — |
| 2021 | $59,709 | $52,511 | — |
| 2020 | $47,737 | $47,737 | ▼ $3,015 |
2025 property taxes (current owner): $1,665/yr
Estimated taxes if purchased at asking price: ~$2,400/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.
History
Price & status history
- Sep 22, 2026Closed$159,000
- Sep 16, 2026Pending$159,000
- Jul 25, 2026Active Under Contract$159,000
- Jul 20, 2026Price change$159,000−$10,000
- Jun 22, 2026Listed$169,000
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 $142,857 an acre; this lot is listed at $79,104 an acre.
| Address | Closed | Price | $/acre | Acres | DOM | Miles |
|---|---|---|---|---|---|---|
| 95654 Tyson Road, Fernandina Beach, FL 32034Listed by CENTURY 21 INTEGRA | Sep 2026 | $160,000 | $142,857 | 1.12 | 146 | 1.4 |
| 96624 Cayman Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Nov 2025 | $135,000 | $60,000 | 2.25 | 65 | 1.7 |
| 85067 Amanda Court, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Mar 2026 | $124,000 | $121,569 | 1.02 | 0 | 2.4 |
| 0 SR 200, Fernandina Beach, FL 32034Listed by THE MASSEY REAL ESTATE GROUP INC | May 2025 | $975,000 | $459,906 | 2.12 | 39 | 3.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this lot is worth; Krista runs the adjustments per lot.
Features
School Information
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Sold by: MOMENTUM REALTY (buyer's brokerage)
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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 22, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines