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 home near Yulee High School.

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85082 Calumet Drive

Fernandina Beach, FL 32034

$739,000$262/sqftEst. $3,803/moMLS# 2160116

Beds

Baths

2,820

Sq Ft

2016

Built

Garage

Pool

About this home

Fernandina Beach

This home offers the privacy, space & design that make a home truly stand out. Set on a .32-acre lot with a preserve backdrop & green space to the side, this 4 bdrm, 3 bath home with a study feels wonderfully private. With no rear neighbors & the additional green space the setting offers a sense of privacy that is increasingly hard to find. The great room flows into the kitchen, where granite counters, subway tile backsplash, soft close cabinetry, and ss appliances create an inviting space. The owner's suite features dual closets & a beautifully appointed bath with double vanities & an oversized dual walk-in shower. An extended screened lanai with an outdoor kitchen overlooks the large, fenced backyard. Wood flooring, a three-car garage, paver driveway, whole-house gutters, a culligan whole house water treatment system. Exterior paint (Aug 2026), interior paint (2020), remodeled spare bathrooms (2021), new carpet (2021), lvp in front bdrm (2021), new refrigerator & dishwasher.

Cost to own

Mortgage calculator

Home Price

$739,000

Down Payment: 20%

$147,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,803

Principal & Interest: $3,803

Property taxes (est.): $1,020

Insurance (est.): $493

Estimated Total Monthly

$5,316

*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$3,803

Property taxesest. at asking price, Nassau County$1,020

HOAbilled annually$7

Estimated total, before insurance$4,830/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,448/yr · $871/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): $10,448/yr

Estimated taxes if purchased at asking price: ~$12,200/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.

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 2016)

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

Solar potential: ~1,748 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