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Active

Active·44 days on market

95083 Colnago Court

Fernandina Beach, FL 32034

$359,000$229/sqftEst. $1,851/moMLS# 2152101

Beds

Baths

1,569

Sq Ft

2021

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to 95083 Colnago Ct.- an inviting pond-front 3BR/2BA home offering peaceful views and a prime location just minutes from the island, beaches, dining, and shopping. Enjoy tranquil mornings overlooking the water and unwind in a quiet, well-kept community with low HOA fees and county taxes only. Inside, the home features a functional, open layout with modern touches including electric blinds, a water softener, and a versatile flex space perfect for a home office, gym, or hobby room. The kitchen comes fully equipped with a refrigerator, and the home includes a washer and dryer, making it truly move-in ready. Energy-efficient solar panels help keep electric costs low, and they will be paid off at closing with an accepted offer, allowing the new owner to enjoy the benefits of solar ownership without an outstanding balance. Whether you're looking for a full-time residence or a relaxing retreat, this home delivers comfort, efficiency, and lifestyle. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$359,000

Down Payment: 20%

$71,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,851

Principal & Interest: $1,851

Property taxes (est.): $496

Insurance (est.): $239

Estimated Total Monthly

$2,586

*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$1,851

Property taxesest. at asking price, Nassau County$496

HOAbilled annually$33

Estimated total, before insurance$2,379/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,006/yr · $167/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	$312,071	$120,276	—
2024	$291,967	$116,038	—
2023	$263,792	$111,056	—
2022	$227,699	$110,719	—
2021	$45,000	$45,000	—
2020	$17,224	$17,224	—

2025 property taxes (current owner): $2,006/yr

Estimated taxes if purchased at asking price: ~$5,900/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — year not disclosed (home built 2021)

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

Aug 7, 2026Price change$359,000−$10,000
Jun 24, 2026Listed$369,000

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

Features

Price$359,000

Price / Sq Ft$229

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,569

Acres0.18 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address95083 Colnago Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionVillages of Woodbridge

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size7,840.8 sq ft

Parcel Number422N28114100100000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne