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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95022 Windflower Trail

Fernandina Beach, FL 32034

$379,900$245/sqftEst. $1,955/moMLS# 2158972

Beds

Baths

1,551

Sq Ft

2012

Built

Garage

Pool

About this home

Fernandina Beach

Enjoy peaceful pond views from this well-designed home featuring an open layout that's ideal for both everyday living and entertaining. Tile and luxury vinyl plank flooring flow throughout the main living areas, while the kitchen is equipped with stainless steel appliances and overlooks the spacious living and dining spaces. The split-bedroom floor plan provides added privacy, and the covered screened patio offers the perfect spot to unwind while taking in the water views. Offering 3 bedrooms and 2 bathrooms, this home is located in the desirable Amelia Concourse community, where residents enjoy a resort-style pool, splash park, playground, clubhouse, and scenic green spaces. Conveniently located near shopping, dining, medical facilities, and highly rated Nassau County schools, with easy access to I-95 and just a short drive to Amelia Island's beaches, historic downtown Fernandina Beach, golf, and boating. ***Some Photos Have Been Virtually Staged***

Cost to own

Mortgage calculator

Home Price

$379,900

Down Payment: 20%

$75,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,955

Principal & Interest: $1,955

Property taxes (est.): $525

Insurance (est.): $253

Estimated Total Monthly

$2,733

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,955

Property taxesest. at asking price, Nassau County$524

HOAbilled annually$10

Estimated total, before insurance$2,490/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,431/yr · $369/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): $4,431/yr

Estimated taxes if purchased at asking price: ~$6,300/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 D

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

Roof: material not specified — year not disclosed (home built 2012)

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: ~1,732 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