This home is in Fernandina Beach.

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Active

Active·1 day on market

95179 Greenberry Road

Fernandina Beach, FL 32034

$550,000$240/sqftEst. $2,804/moMLS# 2156907

Beds

Baths

2,287

Sq Ft

2007

Built

Garage

Pool

About this home

Fernandina Beach

Room to breathe, room to grow, and room to enjoy the lifestyle you've been looking for--this spacious three-bedroom, two-bathroom home with a bonus room offers 2,287 square feet of comfortable living space on a generous 0.53-acre lot. Step inside to this well maintained one owner home. You will be greeted by the high ceilings, natural light and a freshly painted interior. Enjoy a thoughtfully designed layout featuring a separate dining room and a spacious living room that seamlessly flows into the kitchen, complete with granite countertops, bar seating, a cozy eat-in area, and a generously sized pantry. With an additional room off the living room that could be used as an office. Split bedroom design. Bedrooms have walk-in closets. The primary retreat impresses with trey ceilings and an en-suite bath featuring double sinks, a walk-in shower, and a soaking tub built for long, unhurried evenings. Laundry room off the 2 car garage. Enjoy the outside with your screened back porch

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,804

Principal & Interest: $2,804

Property taxes (est.): $759

Insurance (est.): $367

Estimated Total Monthly

$3,930

*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$2,804

Property taxesest. at asking price, Nassau County$759

Estimated total, before insurance$3,564/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,520/yr · $210/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,520/yr

Estimated taxes if purchased at asking price: ~$9,100/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 2007)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,686 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 24, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$240

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,287

Total Structure Area3,099 sq ft

Acres0.53 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address95179 Greenberry Road, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionRosewood Meadows

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size23,086.8 sq ft

Parcel Number312N28187600060000

ZoningResidential

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingGarage, Garage Door Opener

Interior

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

AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

# of Stories0

LaundryElectric Dryer Hookup, Washer Hookup