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95237 Periwinkle Place

Fernandina Beach, FL 32034

$440,000$171/sqftEst. $2,342/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

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,236

Principal & Interest: $2,236

Est. Taxes & Insurance: $559

Estimated Total Monthly

$2,796

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,342

Property taxesest. at asking price, Nassau County$607

HOAbilled annually$7

Estimated total, before insurance$2,957/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

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

Estimated taxes if purchased at asking price: ~$7,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2013)

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

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 16, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$171

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,566

Acres0.24 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# 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