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 home near Yulee High School.

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Pending

Pending·43 days on market

95237 Periwinkle Place

Fernandina Beach, FL 32034

$419,000$163/sqftEst. $2,154/moMLS# 2155631

Beds

Baths

2,566

Sq Ft

2013

Built

Garage

Pool

About this home

Fernandina Beach

Perfectly positioned on a massive corner lot in the highly desirable Amelia Concourse community, this beautifully maintained 4-bedroom, 2.5-bath home offers the ideal combination of space, comfort, and outdoor living. Situated on a massive corner lot with a fully fenced backyard, this home offers the perfect combination of spacious indoor living and outdoor enjoyment. Step inside to an inviting open-concept floor plan featuring tile flooring throughout the main living areas and abundant natural light. The kitchen is designed for both everyday living and entertaining, complete with granite countertops, custom cabinetry, stainless steel appliances, a center island with bar seating, and seamless views into the dining area and spacious family room. Upstairs, a versatile loft serves as the perfect second living area, media room, playroom, or man cave. The private primary suite offers plenty of room to unwind, featuring a spacious ensuite with dual vanities, a relaxing garden tub

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,154

Principal & Interest: $2,154

Property taxes (est.): $578

Insurance (est.): $279

Estimated Total Monthly

$3,012

*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$2,154

Property taxesest. at asking price, Nassau County$578

HOAbilled annually$7

Estimated total, before insurance$2,740/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,122/yr · $677/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,122/yr

Estimated taxes if purchased at asking price: ~$6,900/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, NEFMLS.

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 2013)

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

Sewer · FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) · Public water (record)

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) — no septic system to inspect or maintain.

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

Solar potential: ~1,774 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 28, 2026Pending$419,000
Aug 5, 2026Price change$419,000−$11,000
Jul 24, 2026Price change$430,000−$10,000
Jul 16, 2026Listed$440,000

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

Features

Price$419,000

Price / Sq Ft$163

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,566

Acres0.24 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95237 Periwinkle Place, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,454.4 sq ft

Parcel Number302N28015000810000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesCommunity