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 Amelia National, Fernandina Beach — a waterfront home in Nassau County.

Pending

Pending·50 days on market·Amelia National

95321 Golden Glow Drive

Fernandina Beach, FL 32034

$757,375$295/sqftEst. $3,894/moMLS# 2154807

Beds

Baths

2,565

Sq Ft

2026

Built

Garage

Pool

About this home

Amelia National

The Costa Mesa offers 2,500+ sq ft of open-concept living with 3 bedrooms, 3 baths, and a deluxe kitchen with large island. 12-foot living room ceilings and an extended lanai create the perfect indoor-outdoor flow. Master suite with walk-in closet and spa-inspired bath. Flexible spaces and customization options complete this family-ready home.

Cost to own

Mortgage calculator

Home Price

$757,375

Down Payment: 20%

$151,475

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,894

Principal & Interest: $3,894

Property taxes (est.): $1,046

Insurance (est.): $505

Estimated Total Monthly

$5,444

*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$3,894

Property taxesest. at asking price, Nassau County$1,046

HOAbilled annually$81

Estimated total, before insurance$5,021/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,633 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

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