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 gated community home on Amelia Island.

1 / 35

Active

Active·Listed today

96133 Oyster Bay Drive

Fernandina Beach, FL 32034

$1,175,000$362/sqftEst. $6,047/moMLS# 2160038

Beds

Baths

3,250

Sq Ft

2019

Built

Garage

Pool

About this home

Fernandina Beach

Experience the elevated coastal lifestyle of Oyster Bay, one of North Florida's premier gated communities where timeless architecture and natural beauty create a true element of luxury. Residents here enjoy neighborhood amenities including a community pool, tennis, and pickleball courts in a relaxed, scenic atmosphere. Inside, a striking mahogany front door welcomes you into a light-filled home characterized by soaring 12-foot ceilings, warm hickory flooring, and thoughtfully designed living spaces. The expansive great room centers around a gas fireplace, custom built-ins, and a dedicated wet bar, perfect for casual evenings or large gatherings. Designed for everyday living and effortless entertaining, the chef's kitchen features sleek quartz countertops, custom cabinetry, a walk-in pantry, and an oversized island ideal for daily living and hosting. The home offers three bedrooms, each with its own private en-suite bath for ultimate comfort. Two suites reside on the main

Cost to own

Mortgage calculator

Home Price

$1,175,000

Down Payment: 20%

$235,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$6,047

Principal & Interest: $6,047

Property taxes (est.): $1,622

Insurance (est.): $783

Estimated Total Monthly

$8,452

*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$6,047

Property taxesest. at asking price, Nassau County$1,622

HOAbilled quarterly$125

Estimated total, before insurance$7,794/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,797/yr · $650/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

Year	Market value	Taxable value	Change
2025	$996,273	$497,542	—
2024	$956,296	$482,812	—
2023	$790,404	$467,293	—
2022	$642,594	$452,226	—
2021	$492,179	$437,598	—
2020	$483,768	$430,866	—

2025 property taxes (current owner): $7,797/yr

Estimated taxes if purchased at asking price: ~$19,500/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 (2025), 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: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,526 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

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 13, 2026Listed$1,175,000

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

Features

Price$1,175,000

Price / Sq Ft$362

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,250

Acres0.41 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

Community Information

Address96133 Oyster Bay Drive, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionOyster Bay Harbours

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size17,859.6 sq ft

Lot Dimensions100x174

Parcel Number463N28548000010050

ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Boat Slip, Clubhouse, Gated, Maintenance Grounds, Management - Full Time, Marina, Pickleball, RV/Boat Storage, Tennis Court(s)

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

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener, Gated

ViewCanal, Pond

Waterfront TypeCanal Front, Pond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)