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 Fernandina Beach High School.

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Active

Active·Listed today

96512 Stillpoint Way

Fernandina Beach, FL 32034

$419,900$303/sqftEst. $2,141/moMLS# 2157792

Beds

Baths

1,388

Sq Ft

2025

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to this beautifully maintained 3-bedroom, 2-bath home conveniently located just minutes from Amelia Island, offering easy access to beaches, shopping, dining, and everyday conveniences. Inside, you'll find luxury vinyl plank flooring throughout the main living areas, creating a stylish and low-maintenance living space. The inviting living room features a beautiful electric fireplace with a remote-controlled color-changing display, adding warmth and ambiance year-round. Enjoy your morning coffee on the charming front porch or unwind in the evening on the back porch, perfect for relaxing or entertaining. Situated in a sidewalk-lined community, this home is ideal for morning walks, evening strolls, or walking your dog. As an added bonus, this home is being sold completely furnished, making it truly move-in ready, whether you're looking for a primary residence, second home, or investment property.

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,141

Principal & Interest: $2,141

Property taxes (est.): $580

Insurance (est.): $280

Estimated Total Monthly

$3,001

*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$2,141

Property taxesest. at asking price, Nassau County$580

HOAbilled annually$74

Estimated total, before insurance$2,794/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.

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 2025)

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

Solar potential: ~1,554 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

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 30, 2026Listed$419,900

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

Features

Price$419,900

Price / Sq Ft$303

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,388

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96512 Stillpoint Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionConcourse Crossing

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number292N28000000040030

ZoningPUD

Amenities

AmenitiesMaintenance Grounds

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

SecuritySecurity System Owned, Smoke Detector(s)