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

Active·46 days on market

95057 Terri'S Way

Fernandina Beach, FL 32034

$400,000$180/sqftEst. $2,059/moMLS# 2153629

Beds

Baths

2,225

Sq Ft

2024

Built

Garage

Pool

About this home

Fernandina Beach

BETTER THAN NEW. NO CDD FEES. DESIGNER UPGRADES THROUGHOUT. This upgraded San Marco plan in Concourse Crossing showcases exceptional attention to detail with designer-level finishes that elevate it far beyond standard builder-grade. A welcoming covered front porch opens into a light-filled, open-concept living space where luxury vinyl plank flooring, custom Roman shades, and a cozy electric fireplace create a warm and inviting atmosphere. The timeless kitchen is both elegant and functional, featuring a generous island, classic subway tile backsplash, quartz countertops, stainless steel appliances, and abundant prep space for everyday living and entertaining. The main-level laundry room and mudroom with a custom drop zone keep daily routines effortless, while the private primary suite offers a peaceful retreat with dual vanities, a walk-in shower, and a spacious walk-in closet. Upstairs, a versatile loft provides flexible living space perfect for a media room, playroom, or second living

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,059

Principal & Interest: $2,059

Property taxes (est.): $552

Insurance (est.): $267

Estimated Total Monthly

$2,877

*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$2,059

Property taxesest. at asking price, Nassau County$552

HOAbilled annually$81

Estimated total, before insurance$2,692/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,664/yr · $472/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: $415,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$368,981	$368,981	—
2024	$60,000	$60,000	—
2023	$60,000	$60,000	—
2022	$25,000	$25,000	—

2025 property taxes (current owner): $5,664/yr

Estimated taxes if purchased at asking price: ~$6,600/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 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 2024)

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

Solar potential: ~1,545 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

Aug 18, 2026Price change$400,000−$29,000
Jul 2, 2026Listed$429,000

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

Features

Price$400,000

Price / Sq Ft$180

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,225

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95057 Terri'S Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionConcourse Crossing

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size4,791.6 sq ft

Parcel Number292N28033000730000

ZoningResidential

Amenities

UtilitiesSewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs

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

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit