This home is in Oyster Bay Harbours, Fernandina Beach — a gated community home on Amelia Island.
Sold·Closed Sep 17, 2026·17 days on market·Recent sales in Oyster Bay Harbours·Oyster Bay Harbours
96248 Light Wind Drive
Fernandina Beach, FL 32034
2 more homes for sale in Oyster Bay Harbours →Search Oyster Bay Harbours on the map
About this home
Oyster Bay Harbours
Nestled behind the gates of Oyster Bay, this beautifully maintained lakefront home offers quality construction, thoughtful updates, and a lifestyle 2nd to none. Large windows fill the home with natural light while capturing tranquil lake views from many of the main living areas, creating the perfect backdrop for bird watching and everyday relaxation. Designed with both comfort and functionality in mind, the split-bedroom floor plan features 3 bedrooms, 2 baths, an office that can easily serve as a 4th bedroom, large bonus room above the garage, and a formal dining room. The updated kitchen showcases granite countertops and ample space for gathering and entertaining. The spacious primary suite offers peaceful water views, while the luxurious bath features dual quartz vanities, an oversized walk-in shower, and and walk-in closet. Step outside to your screened in-ground pool overlooking the lake--an ideal setting for morning coffee, evening sunsets, for entertaining. Additional highlights
Next steps in Oyster Bay Harbours
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 (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 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,726 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.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $755,644 | $554,338 | — |
| 2024 | $731,260 | $538,008 | — |
| 2023 | $680,239 | $520,882 | — |
| 2022 | $554,254 | $504,254 | — |
| 2021 | $423,117 | $294,359 | — |
| 2020 | $398,651 | $289,605 | — |
2025 property taxes (current owner): $8,669/yr
Estimated taxes if purchased at asking price: ~$15,700/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 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 18, 2026Closed$965,000
- Aug 10, 2026Pending$965,000
- Jun 26, 2026Listed$965,000
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 $263/sq ft; this home is listed at $371/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96285 Light Wind Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Sep 2026 | $595,000 | $324 | 3/2 | 1,838 | 0 | 0.1 |
| 96042 Lanceford Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $900,000 | $304 | 4/4 | 2,957 | 85 | 0.4 |
| 97037 Mill Pond Lane, Fernandina Beach, FL 32034Listed by COASTAL HOMES AND LAND LLC | Jun 2025 | $470,000 | $246 | 3/2 | 1,914 | 25 | 1.2 |
| 96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $569,990 | $205 | 6/4 | 2,782 | 383 | 1.4 |
| 96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $592,000 | $263 | 3/2.5 | 2,251 | 111 | 1.4 |
| 96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $599,990 | $180 | 5/4 | 3,327 | 341 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 Oyster Bay Harbours
Oyster Bay Harbours is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Oyster Bay Harbours homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 17, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines