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

85048 Bostick Wood Drive

Fernandina Beach, FL 32034

$474,900$267/sqftEst. $2,421/moMLS# 2158425

Beds

Baths

1,778

Sq Ft

2010

Built

Garage

Pool

About this home

Fernandina Beach

MOVE-IN READY WITH SELLER FINANCING AVAILABLE! Located in the highly desirable NORTH HAMPTON golf community with NO CDD, mature trees, sidewalks and a low HOA, this beautifully maintained home includes a 1-year home warranty, plus cable, high-speed internet and home security monitoring in the HOA dues. The open floor plan features a spacious living area, dining room, breakfast nook, versatile flex room and an updated kitchen with 42'' wood cabinets and newer appliances. Fresh interior paint, brand-new carpet in all three bedrooms, tile throughout the main living areas and an included washer & dryer make this home truly move-in ready. Enjoy a large fully fenced backyard overlooking a peaceful preserve with plenty of room to relax, entertain, play or even add a pool. Community amenities include an Olympic-size pool, kiddie pool, tennis, pickleball, basketball, playground, Boat/RV storage and Lofton Creek access at the outpost with screened enjoyment area with a kayak launch, fishing dock

Cost to own

Mortgage calculator

Home Price

$474,900

Down Payment: 20%

$94,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,421

Principal & Interest: $2,421

Property taxes (est.): $656

Insurance (est.): $317

Estimated Total Monthly

$3,394

*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$2,421

Property taxesest. at asking price, Nassau County$656

HOAbilled semi-annually$219

Estimated total, before insurance$3,296/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,904/yr · $575/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): $6,904/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2010)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

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

Solar potential: ~1,750 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

Price & status history

Aug 3, 2026Listed$474,900

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

Features

Price$474,900

Price / Sq Ft$267

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,778

Acres0.20 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85048 Bostick Wood Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,712 sq ft

Parcel Number122N27146002690000

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Golf Course, Management - Part Time, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, RV Access/Parking

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity System Owned