Sold·Closed Aug 10, 2026·18 days on market
96028 Cottage Court 1401
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Rare End Unit in a Gated Community with Peaceful Wooded Views! Move-in ready and offering extra privacy, this desirable end-unit townhome features only one shared wall, additional windows for abundant natural light, and a spacious side yard that gives it an open, airy feel. The open-concept floor plan features durable flooring throughout the main living areas. The kitchen is equipped with white cabinetry, a SS refrigerator, sleek tile backsplash, and a raised breakfast bar overlooking the living room, making it ideal for both everyday living and entertaining. Sliding glass doors open to a screened patio overlooking a peaceful wooded backdrop, creating the perfect place to enjoy your morning coffee or unwind at the end of the day. An exterior storage closet provides additional space for your belongings. Upstairs, the spacious primary suite includes an updated ensuite bathroom with a soaking tub, separate shower, & an upgraded Multifunction Shower Panel featuring rainfall, waterfall, and
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2008)
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: ~1,712 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $247,000 | $206,305 | — |
| 2023 | $244,000 | $187,550 | — |
| 2022 | $202,000 | $170,500 | — |
| 2021 | $155,000 | $155,000 | — |
| 2020 | $143,000 | $143,000 | — |
2025 property taxes (current owner): $3,670/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 (2024), NEFMLS.
History
Price & status history
- Aug 10, 2026Closed$305,000
- Jul 27, 2026Pending$305,000
- Jul 22, 2026Price change$305,000−$10,000
- Jul 9, 2026Listed$315,000
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 $180/sq ft; this home is listed at $187/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96033 Stoney Drive 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $290,000 | $216 | 2/2 | 1,341 | 70 | 0 |
| 96010 Stoney Drive 2405, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $300,000 | $179 | 3/2 | 1,680 | 91 | 0.1 |
| 96222 Stoney Drive 2805, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Nov 2025 | $302,000 | $180 | 3/2 | 1,680 | 79 | 0.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS SOUTHEASTERN PARTNERS
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.
Keep looking
More homes in Cottages at Stoney Creek
For Sale96158 Stoney Creek Parkway 402Fernandina Beach, FL 32034
3 bd · 2.5 ba · 1,477 sq ft
$299,500Est. $1,594/moSkip the stress of moving and step right into paradise with this completely furnished, turn-key townhome! Located in…
Listing Office: keller williams southeastern partners
For Sale96030 Stoney Drive 2502Fernandina Beach, FL 32034
3 bd · 2.5 ba · 1,477 sq ft
$311,990Est. $1,661/moWelcome to the Cottages at Stoney Creek, a GATED COMMUNITY where low-maintenance living meets effortless Florida style!…
Listing Office: fernandina beach realty
For Sale96048 Cottage CourtFernandina Beach, FL 32034
2 bd · 2 ba · 1,407 sq ft
$290,000Est. $1,544/moFirst-floor, step-free living with a garage in a sought-after gated community! This beautifully maintained 2-bedroom,…
Listing Office: coldwell banker the amelia group
For Sale96029 Cottage Court 1205Fernandina Beach, FL 32034
3 bd · 2 ba · 1,680 sq ft
$289,999Est. $1,543/moWelcome home! This spacious 3 Bedroom/2 Bath condo is the largest floor plan in the community, and it truly lives more…
Listing Office: fernandina beach realty
Keep looking
Similar homes in Fernandina Beach
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 10, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines