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This home is in Fernandina Beach — a waterfront home in Nassau County.

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Active

Active·5 days on market

95120 Colnago Court

Fernandina Beach, FL 32034

$390,000$215/sqftEst. $2,007/moMLS# 2159348

Beds

Baths

1,816

Sq Ft

2021

Built

Garage

Pool

About this home

Fernandina Beach

NO CDD FEES and LOW HOA! Welcome to this exceptional 4-bed/2-bath home offering modern comfort, thoughtful design, and easy everyday living. Built in 2021, the open split-bedroom floor plan features wood-look tile throughout the main living areas for both style and durability. The spacious kitchen is the heart of the home, with a large center island, abundant counter space, generous cabinetry, and seating that makes entertaining effortless. The kitchen flows seamlessly into the dining and living areas, creating a bright, open, and inviting atmosphere. The primary suite offers a dual-sink vanity, large walk-in shower, spacious walk-in closet, and private water closet. Additional bedrooms are well-sized for family, guests, a playroom, or home office. Enjoy morning coffee or relaxing evenings on the screened lanai overlooking the pond and peaceful preserve. Conveniently located near shopping, Amelia Island beaches, historic downtown Fernandina Beach, Jacksonville, and Georgia.

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,007

Principal & Interest: $2,007

Property taxes (est.): $538

Insurance (est.): $260

Estimated Total Monthly

$2,805

*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$2,007

Property taxesest. at asking price, Nassau County$538

HOAbilled annually$32

Estimated total, before insurance$2,578/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.

Storms & insurance

Florida Reality Check

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

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — year not disclosed (home built 2021)

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 9, 2026Listed$390,000

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

Features

Price$390,000

Price / Sq Ft$215

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,816

Acres0.16 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address95120 Colnago Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionVillages of Woodbridge

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,969.6 sq ft

Parcel Number422N28114100280000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Trees/Woods

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)