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 Fernandina Beach High School.

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Active

Active·3 days on market

96452 Grande Oaks Lane

Fernandina Beach, FL 32034

$675,000$298/sqftEst. $3,467/moMLS# 2160622

Beds

Baths

2,265

Sq Ft

2018

Built

Garage

Pool

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

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,467

Principal & Interest: $3,467

Property taxes (est.): $932

Insurance (est.): $450

Estimated Total Monthly

$4,848

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,467

Property taxesest. at asking price, Nassau County$932

HOAbilled quarterly$72

Estimated total, before insurance$4,470/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,897/yr · $408/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): $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.

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 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 18, 2026Listed$675,000

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

Features

Price$675,000

Price / Sq Ft$298

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,265

Acres0.48 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96452 Grande Oaks Lane, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionAmelia Riverwalk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size20,908.8 sq ft

Parcel Number392N28068000320000

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewRiver, Water, Other

Interior

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

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup