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 waterfront home in Nassau County.

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Active

Active·29 days on market

95766 Wilder Boulevard

Fernandina Beach, FL 32034

$1,500,000$784/sqftEst. $7,719/moMLS# 2155472

Beds

Baths

1,913

Sq Ft

1962

Built

—

Garage

Pool

About this home

Fernandina Beach

TRUE DEEP WATER! A DEPTH OF 25 TO 30 FEET AT ALL TIDES! OFFERING 100 FEET OF RIVER FRONTAGE, A PRIVATE DOCK AND OPEN OCEAN ACCESS ABOUT 12 MINUTES AWAY BY BOAT. Set on a flat one-acre lot in an established enclave of MULTIMILLION-DOLLAR HOMES, this is a rare Fernandina waterfront opportunity built around boating, fishing and life on the water. CAST FOR LARGEMOUTH BASS, REDFISH, BREAM AND CRAPPIE; WATCH DOLPHINS, SEA TURTLES, OTTERS, PELICANS, OSPREYS AND EAGLES; AND ENJOY SPACEX LAUNCHES FROM YOUR OWN BACKYARD. The updated 3-bedroom, 2-bath brick home offers an OPEN-CONCEPT LAYOUT, NEWER HVAC, NEW WINDOWS, AN EXPANSIVE COVERED PATIO AND BROAD WATER VIEWS. Enjoy it comfortably now, with the flexibility to build a custom waterfront residence in the future. Along the water, a HEAVILY REINFORCED RIPRAP SHORELINE provides added protection, while the property's location OUTSIDE THE FLOOD ZONE and freedom from HOA or CDD fees add even more peace of mind.

Cost to own

Mortgage calculator

Home Price

$1,500,000

Down Payment: 20%

$300,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,719

Principal & Interest: $7,719

Property taxes (est.): $2,071

Insurance (est.): $1,000

Estimated Total Monthly

$10,790

*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$7,719

Property taxesest. at asking price, Nassau County$2,071

Estimated total, before insurance$9,790/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1962)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,345 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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