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Active

Active·43 days on market

85230 Northfield Court

Fernandina Beach, FL 32034

$719,000$278/sqftEst. $3,708/moMLS# 2152741

Beds

Baths

2,582

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to Your Florida Upgrade. This move-in ready 3BR+study, 2.5-bath home in Amelia Walk, Fernandina Beach, blends luxury finishes with resort-style living. Tray/9-ft ceilings and 8-ft doors feel airy; triple-panel sliders open living/dining to a covered patio with polyaspartic flooring. The gourmet kitchen includes a granite island, upgraded cabinetry, stainless appliances with internet capable fridge, and a large walk-in pantry. The primary suite has an oversized shower and walk-in closet. Enjoy an automated home with security system, thermostat, and Gemstone accent lighting. A rare ultra garage joins the standard 3-car garage; made for a boat, RV, car collection, workshop, or gym, a Tesla charger, 50-amp RV hookup, polyaspartic flooring, plus attic storage. Full Irrigation and gutters keep upkeep effortless. Furnished available as an option. Amelia Walk has a 3,500 sq ft clubhouse, resort pool, fitness center, tennis/pickleball co

Cost to own

Mortgage calculator

Home Price

$719,000

Down Payment: 20%

$143,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,708

Principal & Interest: $3,708

Property taxes (est.): $993

Insurance (est.): $479

Estimated Total Monthly

$5,180

*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$3,708

Property taxesest. at asking price, Nassau County$993

HOAbilled annually$7

Estimated total, before insurance$4,708/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,612/yr · $968/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

Last sold: $608,900 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$551,092	$463,707	—
2024	$529,218	$449,931	—
2023	$507,483	$435,370	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—
2020	$14,661	$14,661	—

2025 property taxes (current owner): $11,612/yr

Estimated taxes if purchased at asking price: ~$11,900/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 — 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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,737 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 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

Jul 17, 2026Price change$719,000−$10,000
Jun 27, 2026Listed$729,000

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

Features

Price$719,000

Price / Sq Ft$278

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,582

Acres0.30 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address85230 Northfield Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size13,068 sq ft

Parcel Number13-2N-27-0723-0052-0000

Amenities

AmenitiesPool, Pickleball, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, RV Access/Parking

Interior

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

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