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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 Oyster Bay Harbours, Fernandina Beach — a home near Fernandina Beach High School.

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Sold

$920,000Sold3 bd · 3 ba · 2,404 sq ft

Sold·Closed Oct 20, 2026·4 days on market·Recent sales in Oyster Bay Harbours·Oyster Bay Harbours

96513 Soap Creek Drive

Fernandina Beach, FL 32034

$920,000sold priceListed at $959,000 · 95.9% of asking$383/sqftMLS# 2158435
3
Beds
3
Baths
2,404
Sq Ft
2007
Built
3
Garage
No
Pool

All Oyster Bay Harbours homes for sale →Search Oyster Bay Harbours on the map

FEMA Zone AEHOA $142/mo13,477 sqft lotWaterfrontSingle Family Residence1 story

About this home

Oyster Bay Harbours

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

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$5,016
Property taxesest. at asking price, Nassau County$1,270
HOAbilled quarterly$142
Estimated total, before insurance$6,428/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).

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

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

Roof: Metal — year not disclosed (home built 2007)

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: ~1,467 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

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

2025 property taxes (current owner): $8,072/yr

Estimated taxes if purchased at asking price: ~$15,200/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

  • Oct 21, 2026Closed$959,000
  • Aug 9, 2026Pending$959,000
  • Aug 4, 2026Listed$959,000

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 $304/sq ft; this home is listed at $383/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96285 Light Wind Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS)Sep 2026$595,000$3243/21,83800.1
96248 Light Wind Drive, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPSep 2026$950,000$3654/22,600170.2
96042 Lanceford Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$900,000$3044/42,957850.5
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$569,990$2056/42,7823831.5
96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$592,000$2633/2.52,2511111.5
96064 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJun 2026$600,000$2075/42,9002211.5

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$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
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

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
Community FeaturesFishing, Gated
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

Exterior

Lot DescriptionIrregular Lot, Many Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofMetal
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedAugust 4, 2026
Days on Market4
HOA Fees$425 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$8,072.27
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Sold by: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS (buyer's brokerage)

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 Oyster Bay Harbours

Oyster Bay Harbours is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Oyster Bay Harbours homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 20, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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