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 Fernandina Beach — a home near Yulee High School.

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Active Under Contract

Active Under Contract·51 days on market

94114 Winterberry Avenue

Fernandina Beach, FL 32034

$279,900$154/sqftEst. $1,439/moMLS# 2153151

Beds

Baths

1,819

Sq Ft

1996

Built

—

Garage

Pool

About this home

Fernandina Beach

**FENCED YARD**HUGE CORNER LOT**GREAT LOCATION** Welcome to an incredible opportunity! Nestled on an expansive corner lot in an amazing location surrounded by million-dollar properties, this 3 bed/2 bath gem offers the perfect blend of luxury and freedom with NO HOA OR CDD. Vaulted ceilings, exposed wooden beams, and elegant crown molding flow throughout the bright and inviting interior. The kitchen features a large food prep island, tons of sleek white cabinetry, a modern backsplash, stainless steel appliances, and a breakfast bar serving window. Relax by the stunning stone FIREPLACE or enjoy the flexibility of TWO LIVING ROOMS. The primary suite is a true retreat, boasting a HUGE WALK-IN CLOSET, dual vanities, a sitting vanity, and a walk-in shower with floor to ceiling tile. Outside, enjoy a FENCED-IN BACKYARD and two large decks. Best of all, it's just a short walk to the Holly Point picnic area and boat ramp access to the Nassau River! Do not miss out!

Cost to own

Mortgage calculator

Home Price

$279,900

Down Payment: 20%

$55,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,439

Principal & Interest: $1,439

Property taxes (est.): $386

Insurance (est.): $187

Estimated Total Monthly

$2,012

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,439

Property taxesest. at asking price, Nassau County$386

Estimated total, before insurance$1,825/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$144,259	$25,000	—
2024	$141,132	$25,000	—
2023	$120,367	$25,000	—
2022	$86,098	$25,000	—
2021	$82,549	$25,000	—
2020	$75,475	$25,000	—

2025 property taxes (current owner): $460/yr

Estimated taxes if purchased at asking price: ~$4,600/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1996)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,427 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 12, 2026Active Under Contract$279,900
Jul 20, 2026Price change$279,900−$19,100
Jul 10, 2026Active$299,000

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

Features

Price$279,900

Price / Sq Ft$154

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,819

Acres0.54 acres

Year Built1996

TypeResidential

Sub-TypeManufactured Home

StyleTraditional

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address94114 Winterberry Avenue, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionHolly Point

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size23,522.4 sq ft

Parcel Number452N28525C00070000

ZoningResidential

Amenities

AmenitiesBoat Dock, Boat Launch, Trash

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerSeptic Tank

Water SourceWell

ParkingOther, Off Street

ViewRiver

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup