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This home is in Amelia National, Fernandina Beach.

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Active·45 days on market·Amelia National

95268 Golden Glow Drive

Fernandina Beach, FL 32034

$750,000$321/sqftEst. $3,856/moMLS# 2155400

Beds

Baths

2,339

Sq Ft

2025

Built

Garage

Pool

About this home

Amelia National

CDD Bond paid off! This home has been beautifully upgraded by the builder and seller and includes 4-bedroom, 3-bathroom. It is tucked away into the gorgeous gated Amelia National Golf & Country Club community where you will find incredible amenities such as golf course, resort pool and restaurant. Step inside to an open-concept living space where a tray ceiling adds architectural interest and a expansive 16' slider floods the home with natural light while blurring the line between indoor and outdoor living. The kitchen anchors the home with abundant counter space and a pantry outfitted with custom wood shelving for effortless organization. A dedicated mud room with a built-in bench keeps daily life running smoothly, whether you're coming in from the golf course or the pool. The Owner's Suite offers a private retreat complete with spacious dual walk-in closets and a spa-inspired bath featuring a free-standing soaking tub. Additional bedrooms are well-positioned near full

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,856

Principal & Interest: $3,856

Property taxes (est.): $1,035

Insurance (est.): $500

Estimated Total Monthly

$5,391

*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$3,856

Property taxesest. at asking price, Nassau County$1,035

HOAbilled annually$81

Estimated total, before insurance$4,972/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: material not specified — year not disclosed (home built 2025)

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

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