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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Active

Active·1 day on market

95183 Timberlake Drive

Fernandina Beach, FL 32034

$400,000$216/sqftEst. $2,059/moMLS# 2156565

Beds

Baths

1,856

Sq Ft

2017

Built

Garage

Pool

About this home

Fernandina Beach

Enjoy peaceful pond views from this beautifully maintained 4-bedroom, 2-bath home in the desirable Timberlake community of Fernandina Beach. Built in 2017, this move-in-ready home offers 1,856 square feet of thoughtfully designed living space with an open-concept floor plan perfect for everyday living and entertaining. The spacious kitchen features stainless steel appliances, ample cabinetry, and generous counter space. It overlooks the dining and living areas, creating the perfect space to gather with family and friends. A split-bedroom floor plan provides privacy for the owner's suite, complete with a walk-in closet and en-suite bath. Step outside to the screened lanai and take in the serene pond views. The fully fenced backyard offers plenty of space for pets, play, gardening, or entertaining while enjoying the peaceful waterfront setting.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,059

Principal & Interest: $2,059

Property taxes (est.): $552

Insurance (est.): $267

Estimated Total Monthly

$2,877

*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$2,059

Property taxesest. at asking price, Nassau County$552

HOAbilled quarterly$88

Estimated total, before insurance$2,698/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: material not specified — year not disclosed (home built 2017)

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

Solar potential: ~1,753 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 August 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