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 gated community home on Amelia Island.

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Active

Active·33 days on market

96042 Lanceford Lane

Fernandina Beach, FL 32034

$995,000$336/sqftEst. $5,121/moMLS# 2154958

Beds

Baths

2,957

Sq Ft

1994

Built

Garage

Pool

About this home

Fernandina Beach

Don't miss this Cape Cod charmer in gated Lanceford Creek Plantation at Oyster Bay Harbour! Back on the market with $30,000 in improvements, including a complete interior repaint. Originally built by Harry Trevett and renovated by Cole Builders in 2015, this home features an open floor plan, new windows, siding, doors, and a vaulted screened porch. The main-level primary suite is joined by two upstairs bedrooms plus a bonus room/4th bedroom with full bath. Quality finishes include hardwood floors, vaulted ceilings, granite countertops, crown molding, plantation shutters, and stainless appliances. Situated on one of the largest interior lots (over ¾ acre), there's room for a pool, carriage house, or detached garage. Enjoy Lanceford Creek views, a fire pit, fenced dog area, irrigation, termite bond, and optional Oyster Bay Yacht Club membership. Just 15 minutes to Amelia Island beaches and Fernandina Beach schools.

Cost to own

Mortgage calculator

Home Price

$995,000

Down Payment: 20%

$199,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,121

Principal & Interest: $5,121

Property taxes (est.): $1,374

Insurance (est.): $663

Estimated Total Monthly

$7,157

*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$5,121

Property taxesest. at asking price, Nassau County$1,374

HOAbilled annually$83

Estimated total, before insurance$6,578/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$748,611	$421,704	—
2024	$736,969	$409,112	—
2023	$713,685	$395,740	—
2022	$538,734	$382,757	—
2021	$449,367	$370,152	—
2020	$422,894	$364,351	—

Estimated taxes if purchased at asking price: ~$16,500/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1994)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,635 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 2, 2026Price change$995,000−$30,000
Jul 11, 2026Price change$1,025,000−$30,000
Jul 11, 2026Listed$1,055,000

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

Features

Price$995,000

Price / Sq Ft$336

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,957

Acres0.79 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96042 Lanceford Lane, Fernandina Beach, FL 32034

Area470-Piney Island Area

SubdivisionOyster Bay Harbours

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size34,412.4 sq ft

Parcel Number463N28510000300000

ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Clubhouse, Fitness Center, Gated, Pickleball, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Electricity Connected, Water Available, Propane

SewerSeptic Tank

Water SourceWell

ParkingGarage, Garage Door Opener, Other

ViewRiver

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Freezer, Gas Water Heater, Ice Maker, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces3

Fireplace FeaturesOutside

# of Stories2

LevelsTwo

Window FeaturesSkylight(s)

SecuritySecurity Gate