This home is in Fernandina Beach.

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Active

Active·2 days on market

96029 Cottage Court 1205

Fernandina Beach, FL 32034

$299,999$179/sqftEst. $1,530/moMLS# 2156372

Beds

Baths

1,680

Sq Ft

2008

Built

Garage

Pool

About this home

Fernandina Beach

Welcome home! This spacious 3 Bedroom/2 Bath condo is the largest floor plan in the community, and it truly lives more like a house than a condo. High ceilings and an open layout give it an airy, modern feel, while updated flooring, plantation shutters, and a cheerful pop of sunshine yellow keep the rooms feeling bright and fresh. The kitchen is a standout -- Beautiful 42-inch cabinets, a pantry, and an island with bar space flow right into a cozy breakfast nook, making it easy to cook, gather, and entertain all in one open space. The bathrooms have been thoughtfully updated too, and there's plenty of room throughout to spread out or work from home. Step out back to your own screened-in patio -- the perfect spot to sip your morning coffee and listen to the birds. A chairlift is also included for easy access between floors, simple to remove if you don't need it, and a nice bonus if you do. Location is a real win here: you're just around the corner from restaurants and Super Walmart

Cost to own

Mortgage calculator

Home Price

$299,999

Down Payment: 20%

$60,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,530

Principal & Interest: $1,530

Property taxes (est.): $414

Insurance (est.): $200

Estimated Total Monthly

$2,144

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,530

Property taxesest. at asking price, Nassau County$414

HOAbilled monthly$380

Estimated total, before insurance$2,324/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: Shingle — year not disclosed (home built 2008)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

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

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

Solar potential: ~1,775 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

Jul 21, 2026Listed$299,999

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

Features

Price$299,999

Price / Sq Ft$179

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,680

Year Built2008

TypeResidential

Sub-TypeCondominium

StyleVilla

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryAtlantic

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96029 Cottage Court 1205, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionCottages at Stoney Creek

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number25-2N-28-027C-1205-0000

ZoningCondominium

Amenities

AmenitiesGated, Maintenance Grounds, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener, Gated, Other

Interior

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

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecuritySecurity Gate, Smoke Detector(s)