This home is in Oyster Bay Harbours, Fernandina Beach — a gated community home on Amelia Island.
$1,175,0003 bd · 3.5 ba · 3,250 sq ft
Active·91 days on market·Oyster Bay Harbours
96133 Oyster Bay Drive
Fernandina Beach, FL 32034
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About this home
Oyster Bay Harbours
Your ultimate coastal retreat awaits in the premier gated community of Oyster Bay Harbour in Fernandina Beach. Enter the home through a mahogany door to a custom home where you are welcomed to a light-filled home, soaring 12-foot ceilings, hardwood hickory floors, and an expansive great room with gas fireplace. The gourmet kitchen was built with ample cabinetry and oversized quartz island. The home offers three en-suite bedrooms. Two suites are on the main level, including a luxurious primary retreat complete with bay window seating and an oversized walk-in shower. Upstairs, the flexible third suite easily adapts as a guest sanctuary, office, media room, or secondary living space. A sliding glass wall opens to a spacious screened-in tiled lanai and paved patio overlooking a serene lagoon. Oyster Bay Harbour offers residents pickleball, clay tennis courts, and community pool. With an acceptable offer, the Seller will include a paid equity membership to Oyster Bay Yacht Club.
Next steps in Oyster Bay Harbours
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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.
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.
Closest beach parking
Seaside Park18 min drive · 75 parking spaces
Closest park or preserve
Egans Creek Greenway22 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 4 mi · Egan's Creek
Closest grocery store
Walmart Supercenter10 min drive · 464016 State Road 200, Yulee
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:50 AM, sunset 5:30 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $1,033,202 | $1,033,202 | — |
| 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: ~$18,900/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
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.
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 $365/sq ft; this home is listed at $362/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96248 Light Wind Drive, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $950,000 | $365 | 4/2 | 2,600 | 17 | 0.2 |
| 96042 Lanceford Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $900,000 | $304 | 4/4 | 2,957 | 85 | 0.2 |
| 96084 Lanceford Lane, Fernandina Beach, FL 32034Listed by MARK SPAIN REAL ESTATE | Mar 2026 | $800,000 | $251 | 5/3.5 | 3,186 | 62 | 0.2 |
| 96513 Soap Creek Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $920,000 | $383 | 3/3 | 2,404 | 4 | 0.3 |
| 96478 Soap Creek Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $1,250,000 | $367 | 3/2.5 | 3,405 | 4 | 0.3 |
| 96492 Soap Creek Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Apr 2026 | $1,100,000 | $365 | 3/3 | 3,012 | 128 | 0.3 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS SOUTHEASTERN PARTNERS
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.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
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