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This home is in Fernandina Beach.

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Active·45 days on market

95199 Windflower Trail

Fernandina Beach, FL 32034

$485,000$168/sqftEst. $2,496/moMLS# 2153171

Beds

Baths

2,890

Sq Ft

2013

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to this well-maintained 4-bedroom, 4-bath home tucked away on a desirable cul-de-sac street lot. Offering a flexible bonus space that can easily function as a 5th bedroom, office, or flex room. This home provides plenty of room to fit your lifestyle. Recent updates include fresh interior paint in the downstairs living areas and all bedrooms, along with upgraded LED lighting throughout for a bright, modern feel. The home sits on an oversized quarter-acre lot with a fully fenced backyard, screened paver patio, and a spacious three-car garage. The kitchen features granite countertops, dark cabinetry, stainless steel appliances, a large prep island with pendant lighting, and 2 dining areas. The owner's retreat is generously sized with tray ceilings, a walk-in closet, and a private bath complete with dual vanities, a soaking tub, and separate shower. Newly enhanced landscaping adds beautiful curb appeal. Located in Amelia Concourse Subdivision featuring a pool with water slides and

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,496

Principal & Interest: $2,496

Property taxes (est.): $670

Insurance (est.): $323

Estimated Total Monthly

$3,489

*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$2,496

Property taxesest. at asking price, Nassau County$670

HOAbilled annually$7

Estimated total, before insurance$3,173/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,881/yr · $490/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	$437,439	$247,441	—
2024	$412,213	$239,760	—
2023	$397,656	$231,320	—
2022	$353,380	$223,126	—
2021	$282,457	$215,171	—
2020	$261,510	$211,510	—

2025 property taxes (current owner): $5,881/yr

Estimated taxes if purchased at asking price: ~$8,000/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2013)

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: ~1,771 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