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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Kingsley, Fernandina Beach.

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Sold

Sold·Closed Jun 24, 2026·0 days on market·Recent sales in Kingsley·Kingsley

92954 Cheltenham Lane

Fernandina Beach, FL 32034

$685,000sold priceListed at $685,000 · 100% of asking$214/sqftMLS# 2152548
5
Beds
4
Baths
3,207
Sq Ft
2022
Built
3
Garage
No
Pool

2 more homes for sale in Kingsley →Search Kingsley on the map

HOA $128/mo11,761 sqft lotSingle Family Residence2 stories

About this home

Kingsley

COMP PURPOSES ONLY

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,794
Property taxesest. at asking price, Nassau County$946
HOAbilled quarterly$128
Estimated total, before insurance$4,868/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,145/yr · $679/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$685,000
$137,000
Loan Term
Monthly Payment
$3,794
Principal & Interest: $3,794
Property taxes (est.): $946
Insurance (est.): $457
Estimated Total Monthly
$5,197
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

Last sold: $634,400 in November 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$636,430$520,209—
2024$562,449$504,841—
2023$538,681$488,681—
2022$65,000$65,000—
2021$24,241$24,241—

2025 property taxes (current owner): $8,145/yr

Estimated taxes if purchased at asking price: ~$11,300/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 (2025), NEFMLS.

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 $298/sq ft; this home is listed at $214/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
92648 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$665,000$2095/43,178940.2
92503 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJul 2026$695,000$2364/3.52,950440.2
96367 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by GAILEY ENTERPRISES LLCSep 2026$780,000$2494/33,131160.3
96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$675,000$2984/22,26560.4
95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPJul 2026$1,498,000$3865/3.53,885250.6
96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTYJul 2026$1,310,000$3556/53,68750.8

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.

Features

Price$685,000
Price / Sq Ft$214
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,207
Acres0.27 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address92954 Cheltenham Lane, Fernandina Beach, FL 32034
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionKingsley
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size11,761.2 sq ft
Parcel Number392N28014100140000

Amenities

AmenitiesPool, Playground
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDisposal, Gas Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Additional Information

Date ListedJune 26, 2026
Days on Market0
HOA Fees$385 / Quarterly
HOA FrequencyQuarterly
Tax Amount$8,145.34
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NON MLS (realMLS)

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 Kingsley

Kingsley is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Kingsley homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 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.

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20+ years · 500+ closings · NE Florida

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