Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in North Hampton, Fernandina Beach — a waterfront home in Nassau County.

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Active

Active·45 days on market·North Hampton

96040 Long Beach Drive

Fernandina Beach, FL 32034

$500,000$221/sqftEst. $2,573/moMLS# 2152845

Beds

Baths

2,263

Sq Ft

2005

Built

Garage

Pool

About this home

North Hampton

Tucked in an Arnold Palmer golf course community - where the developer chose to honor the land rather than clear most of the trees - this beautifully appointed corner home has soaring ceilings that draw your eye upward and give the home an immediate sense of openness and ease. Gorgeous hand-scraped engineered wood floors flow through the main living areas and primary bedroom, grounding every space with warmth and quiet sophistication. The fireplace - resurfaced in striking granite - anchors the living room with a commanding presence. Intricate crown molding, a whole-home water softener, & a dedicated office speak to a home that has been cared for with intention. Both bathrooms were updated with quartz vanity tops. Lush landscaping and beautifully flowering gardens frame the home's stucco exterior and stone accents, giving the home genuine curb appeal. Step out back and the home reveals perhaps its finest feature - an enclosed lanai overlooking a serene pond, framed by a canopy

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,573

Principal & Interest: $2,573

Property taxes (est.): $690

Insurance (est.): $333

Estimated Total Monthly

$3,597

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,573

Property taxesest. at asking price, Nassau County$690

HOAbilled semi-annually$219

Estimated total, before insurance$3,482/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,782/yr · $232/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	$453,931	$170,873	—
2024	$438,729	$165,350	—
2023	$425,132	$159,078	—
2022	$350,810	$152,988	—
2021	$242,901	$147,076	—
2020	$243,691	$144,355	—

2025 property taxes (current owner): $2,782/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

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: Shingle — year not disclosed (home built 2005)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,767 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

Jun 29, 2026Listed$500,000

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

Features

Price$500,000

Price / Sq Ft$221

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,263

Acres0.23 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address96040 Long Beach Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Parcel Number122N27146200650000

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Dock, Clubhouse, Golf Course, Management- On Site, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Water

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LaundryIn Unit