This home is in Fernandina Beach.

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96367 Grande Oaks Lane

Fernandina Beach, FL 32034

$800,000$256/sqftEst. $4,258/moMLS# 2156035

Beds

Baths

3,131

Sq Ft

2007

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Built with durable concrete block construction, this beautifully maintained 4-bedroom, 3-bath pool home with a 3-car garage is perfectly positioned on a premium homesite backing to designated green space and a peaceful pond, providing exceptional privacy with no rear neighbors. Designed for both everyday living and entertaining, the spacious split floor plan offers a formal living room, formal dining room, and dedicated office, giving you incredible flexibility for a home office, playroom, or additional living space. The oversized primary suite is a true retreat, featuring a sitting area, double vanities, a relaxing soaking tub, and a separate walk-in shower. Step outside to your private backyard oasis featuring a screened pool and spa, complete with a new pool heater/chiller and new LED lighting, plus an oversized screened lanai that's perfect for relaxing or hosting guests while enjoying peaceful views of the pond and protected green space.

Cost to own

Mortgage calculator

Home Price

$800,000

Down Payment: 20%

$160,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,066

Principal & Interest: $4,066

Est. Taxes & Insurance: $1,017

Estimated Total Monthly

$5,083

*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$4,258

Property taxesest. at asking price, Nassau County$1,104

HOAbilled quarterly$82

Estimated total, before insurance$5,444/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): $5,965/yr

Estimated taxes if purchased at asking price: ~$13,300/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 2007)

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

Solar potential: ~1,778 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 18, 2026Listed$800,000

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

Features

Price$800,000

Price / Sq Ft$256

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,131

Acres0.34 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontNo

Community Information

Address96367 Grande Oaks Lane, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionAmelia Riverwalk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,810.4 sq ft

Parcel Number392N28068000680000

Amenities

AmenitiesGated

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Double Oven, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

Spa FeaturesIn Ground, Heated, Private