Sold·Closed Sep 29, 2026·6 days on market
96452 Grande Oaks Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Meticulously maintained COASTAL living in Amelia RiverWalk, a GATED community in Fernandina Beach. This spacious 4 BDRM, 2 BTH home offers 2,265 square feet of thoughtfully designed living space, a 3-CAR garage, 10-FOOT ceilings, and a beautifully landscaped ½ ACRE homesite with a peaceful water view from the side yard. Inside, TIMELESS details blend with inviting coastal STYLE & WARMTH. The spacious living area centers around a GAS fireplace with brick surround, creating a warm gathering space. The dining room makes a statement with Lulu and Georgia navy blue GRASSCLOTH wallpaper, with CROWN MOLDING throughout. The well-appointed kitchen features white 42-inch cabinetry, QUARTZ countertops, a navy blue island, and a 36-inch GAS cooktop, ideal for everyday living and entertaining. Wood-look tile flows throughout the main living areas, while newer carpet adds comfort to the bedrooms. The primary suite features a SHIPLAP accent wall, tray ceiling, custom closet, and water view.
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 2018)
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: ~1,783 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,897/yr
Estimated taxes if purchased at asking price: ~$11,200/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.
History
Price & status history
- Oct 2, 2026Closed$675,000
- Aug 23, 2026Pending$675,000
- Aug 18, 2026Listed$675,000
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 $287/sq ft; this home is listed at $298/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $615,000 | $296 | 4/2 | 2,075 | 122 | 0.7 |
| 96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $592,000 | $263 | 3/2.5 | 2,251 | 111 | 1 |
| 93028 Harbor Court, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Jul 2026 | $469,000 | $287 | 3/2 | 1,635 | 96 | 1 |
| 96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $569,990 | $205 | 6/4 | 2,782 | 383 | 1.4 |
| 96184 Marsh Lakes Drive, Fernandina Beach, FL 32034Listed by SHRIMP CAPITAL REALTY | Aug 2026 | $1,528,000 | $582 | 3/3.5 | 2,624 | 16 | 1.4 |
| 96014 Inlet Cove Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $432,700 | $221 | 3/2 | 1,954 | 447 | 1.5 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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