This home is in Fernandina Beach.

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Active

Active·9 days on market

96048 Cottage Court

Fernandina Beach, FL 32034

$295,000$210/sqftEst. $1,504/moMLS# 2155235

Beds

Baths

1,407

Sq Ft

2008

Built

Garage

Pool

About this home

Fernandina Beach

First-floor, step-free living with a garage in a sought-after gated community! This beautifully maintained 2-bedroom, 2-bath split floor plan offers comfort, convenience, and peace of mind with a New Roof 2025 and 2021 Trane AC unit,. NO carpet with luxury vinyl plank flooring installed in 2025 in the main living areas and bedrooms, plus tile in the kitchen, baths, and spacious laundry room. A bay window brightens the breakfast nook, while the primary ensuite features a soaking tub, walk-in shower, double sink vanity, water closet, and large walk-in closet. Unwind on the screened porch with wooded views and bonus walk-in storage. Community perks include a sparkling pool, pet-friendly atmosphere, and gated security. Conveniently near shopping, Amelia Island beaches, historic downtown Fernandina Beach, Jacksonville, and Georgia, this move-in ready condo offers low-maintenance living and everyday ease.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,504

Principal & Interest: $1,504

Property taxes (est.): $407

Insurance (est.): $197

Estimated Total Monthly

$2,108

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,504

Property taxesest. at asking price, Nassau County$407

HOAbilled monthly$370

Estimated total, before insurance$2,281/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.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,697 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

Jul 14, 2026Listed$295,000

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

Features

Price$295,000

Price / Sq Ft$210

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,407

Year Built2008

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address96048 Cottage Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionCottages at Stoney Creek

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number252N28027C15060000

ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Gated

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityFire Sprinkler System, Security Gate, Smoke Detector(s)