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 waterfront home in Nassau County.

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Active

Active·2 days on market

95439 Golden Glow Drive

Fernandina Beach, FL 32034

$799,900$292/sqftEst. $4,078/moMLS# 2158256

Beds

Baths

2,736

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Riverside Homes most popular plan, the Ortega, is starting construction in Amelia National Golf & Country Club on a beautiful water homesite. 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**

Cost to own

Mortgage calculator

Home Price

$799,900

Down Payment: 20%

$159,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,078

Principal & Interest: $4,078

Property taxes (est.): $1,104

Insurance (est.): $533

Estimated Total Monthly

$5,716

*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$4,078

Property taxesest. at asking price, Nassau County$1,104

HOAbilled annually$75

Estimated total, before insurance$5,258/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$13,300/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 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 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

Aug 2, 2026Listed$799,900

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

Features

Price$799,900

Price / Sq Ft$292

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)

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