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

96513 Soap Creek Drive

Fernandina Beach, FL 32034

$959,000$399/sqftEst. $4,890/moMLS# 2158435

Beds

Baths

2,404

Sq Ft

2007

Built

Garage

Pool

About this home

Fernandina Beach

Discover the relaxed coastal lifestyle of Oyster Bay Harbour, one of Fernandina Beach's most sought after gated communities. This beautifully updated single story 3-bedroom, 3-bath home offers timeless style, quality craftsmanship, and peaceful pond views. Enjoy a welcoming front porch, screened lanai with summer kitchen, and an open floor plan perfect for everyday living and entertaining. Features include 10 ft ceilings, hardwood floors, plantation shutters, fresh interior paint, custom built-ins with a gas fireplace, custom walk-in pantry, updated lighting, new front door glass, and a spacious 3 car garage. Recent updates include a 2023 HVAC, brand new water softener, refreshed landscaping and irrigation, freshly stained front porch, and serviced whole house generator. Enjoy community pool, tennis, pickleball, plus optional Oyster Bay Yacht Club membership available at a reduced initiation fee. Minutes to Amelia Island beaches and historic downtown Fernandina Beach.

Cost to own

Mortgage calculator

Home Price

$959,000

Down Payment: 20%

$191,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,890

Principal & Interest: $4,890

Property taxes (est.): $1,324

Insurance (est.): $639

Estimated Total Monthly

$6,853

*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$4,890

Property taxesest. at asking price, Nassau County$1,324

HOAbilled quarterly$142

Estimated total, before insurance$6,355/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,072/yr · $673/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): $8,072/yr

Estimated taxes if purchased at asking price: ~$15,900/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.

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: Metal — year not disclosed (home built 2007)

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

Solar potential: ~1,467 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Aug 4, 2026Listed$959,000

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

Features

Price$959,000

Price / Sq Ft$399

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,404

Acres0.31 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96513 Soap Creek Drive, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionOyster Bay Harbours

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size13,477.46 sq ft

Lot Dimensions134x89x135x140

Parcel Number463N28620500800000

ZoningPUD

Amenities

AmenitiesPool, Gated, Pickleball, Security

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Water Available, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Freezer, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink

SecuritySecurity Gate, Smoke Detector(s)

Spa FeaturesCommunity