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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Summer Beach, Fernandina Beach.

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Sold

Sold·Closed Jun 3, 2026·1 day on market·Recent sales in Summer Beach·Summer Beach

96135 Hanging Moss Drive

Fernandina Beach, FL 32034

$775,000sold priceListed at $775,000 · 100% of asking$370/sqftMLS# 2154634
3
Beds
2.5
Baths
2,093
Sq Ft
2021
Built
2
Garage
No
Pool

4 more homes for sale in Summer Beach →Search Summer Beach on the map

HOA $440/mo2,178 sqft lotTownhouse2 stories

About this home

Summer Beach

This 3 bedroom/2.5 bath townhome is located on Amelia Island.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,293
Property taxesest. at asking price, Nassau County$1,070
HOAbilled monthly$440
Estimated total, before insurance$5,803/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,507/yr · $626/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$775,000
$155,000
Loan Term
Monthly Payment
$4,293
Principal & Interest: $4,293
Property taxes (est.): $1,070
Insurance (est.): $517
Estimated Total Monthly
$5,879
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2024$549,386$458,614—
2023$526,423$443,800—
2022$479,417$429,417—
2021$60,000$60,000—
2020$60,000$60,000—

2025 property taxes (current owner): $7,507/yr

Estimated taxes if purchased at asking price: ~$12,800/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 (2024), NEFMLS.

History

Price & status history

  • Jul 9, 2026Listed$775,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $376/sq ft; this home is listed at $370/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95068 Summerwoods Circle 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJul 2026$740,000$3583/32,065570.1
95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$840,000$3943/2.52,134740.1
95220 Summerwoods Circle 1205, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPDec 2025$690,000$3343/32,065320.1
5242 Sea Chase Drive #1 8A, Fernandina Beach, FL 32034Listed by DALTON WADE INCAug 2026$1,430,000$7573/31,8891420.4
95024 Barclay Place 4A, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2026$580,000$3762/21,541540.5
3323 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPAug 2026$565,000$3532/21,600111.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$775,000
Price / Sq Ft$370
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,093
Acres0.05 acres
Year Built2021
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address96135 Hanging Moss Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionEnclave At Summer Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size2,178 sq ft
Parcel Number00SB30046E00440000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
SecuritySecurity Gate

Additional Information

Date ListedJuly 9, 2026
Days on Market1
HOA Fees$440 / Monthly
HOA FrequencyMonthly
Tax Amount$7,506.92
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NON MLS (realMLS)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Summer Beach

Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Summer Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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