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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Amelia National, Fernandina Beach — a waterfront home in Nassau County.

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$779,9004 bd · 3 ba · 2,736 sq ft

Active·96 days on market·Amelia National

95439 Golden Glow Drive

Fernandina Beach, FL 32034

$779,900$285/sqftEst. $4,252/mo mortgageMLS# 2158256
↓ $20,000 below original list
4
Beds
3
Baths
2,736
Sq Ft
2026
Built
3
Garage
No
Pool

30 more homes for sale in Amelia National →Search Amelia National on the map

FEMA Zone XHOA $75/mo12,197 sqft lotWaterfrontSingle Family Residence1 storyNew construction

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About this home

Amelia National

Riverside Homes most popular plan, the Ortega, has started construction in Amelia National Golf & Country Club on a beautiful water homesite with an end of year completion. This home has a 3 way split for privacy, 4 bedrooms and 3 baths and a flex room for large study and/or den. The family room has 12' ceilings, tray with tongue and groove and huge 16' slider flooding the room with light. The Chef's Kitchen is prewired for double pendants and under cabinet lighting, has double ovens, 36'' cooktop and a microwave drawer. The Owner's Suite has a sitting room, tray ceiling and spa bath with free standing tub. Riverside Homes include gas appliances, tankless water heater, paver driveway and lead walk, structured wiring and surround sound. The floor plan in the documents. **The photos are of model of same plan**

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$4,252
Property taxesest. at asking price, Nassau County$1,077
HOAbilled annually$75
Estimated total, before insurance$5,404/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,519/yr · $377/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$779,900
$155,980
Loan Term
Monthly Payment
$4,252
Principal & Interest: $4,252
Property taxes (est.): $1,077
Insurance (est.): $520
Estimated Total Monthly
$5,849
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2026)

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

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,519/yr

Estimated taxes if purchased at asking price: ~$12,900/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.

History

Price & status history

  • Nov 4, 2026Price change$779,900−$20,000
  • Aug 2, 2026Listed$799,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $256/sq ft; this home is listed at $285/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95214 Golden Glow Drive, Fernandina Beach, FL 32034Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Sep 2026$640,000$2564/32,4964500.1
95404 Golden Glow Drive, Fernandina Beach, FL 32034Listed by ICI SELECT REALTY, INC.Aug 2026$989,160$3064/3.53,23400.1
95136 Golden Glow Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$840,000$3253/2.52,584460.3
96014 Inlet Cove Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPSep 2026$432,700$2213/21,9544470.5
96816 Arrigo Boulevard, Fernandina Beach, FL 31522Listed by MARSH LIFE REALTY, LLCAug 2026$400,000$1923/22,08820.5
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$779,900
Price / Sq Ft$285
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,736
Acres0.28 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address95439 Golden Glow Drive, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia National
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size12,196.8 sq ft
Parcel Number272N28006C05500000
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Playground, Tennis Court(s)
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Microwave, Tankless Water Heater
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringTile
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecurityGated with Guard

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
RoofShingle
ConstructionFrame

Additional Information

Date ListedAugust 2, 2026
Days on Market96
HOA Fees$899 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSecurity
Tax Amount$4,518.84
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: RICK WOOD & ASSOCIATES INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Amelia National

Amelia National is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Amelia National homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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