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 waterfront home in Nassau County.

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Active

Active·1 day on market

94974 Windflower Trail

Fernandina Beach, FL 32034

$530,000$223/sqftEst. $2,722/moMLS# 2160960

Beds

Baths

2,376

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Stunner alert! Welcome home to this beautifully upgraded 4-bedroom, 3-bathroom retreat in the highly desirable Amelia Concourse community, where thoughtful design, incredible outdoor living, and serene pond views offer the best of Florida living. From the moment you arrive, the immaculate landscaping and charming front porch set the tone for what awaits inside. Step through the door to soaring ceilings, abundant natural light, gorgeous wood-plank flooring, custom built-ins, and impressive upgrades throughout. At the heart of the home, the gourmet kitchen is perfectly positioned to take advantage of the stunning water views, with a light-filled breakfast nook overlooking the pond. The spacious family room is equally inviting, featuring custom built-in cabinetry, an electric fireplace, and a TV that conveys with the home, creating the perfect space to relax or entertain. The downstairs primary suite is a true retreat, complete with peaceful water views, a spa-like ensuite featuring a

Cost to own

Mortgage calculator

Home Price

$530,000

Down Payment: 20%

$106,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,722

Principal & Interest: $2,722

Property taxes (est.): $732

Insurance (est.): $353

Estimated Total Monthly

$3,807

*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$2,722

Property taxesest. at asking price, Nassau County$732

HOAbilled annually$10

Estimated total, before insurance$3,464/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,780/yr · $648/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): $7,780/yr

Estimated taxes if purchased at asking price: ~$8,800/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2022)

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

Solar potential: ~1,735 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 20, 2026Listed$530,000

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

Features

Price$530,000

Price / Sq Ft$223

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,376

Acres0.21 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

55+ CommunityYes

Community Information

Address94974 Windflower Trail, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,147.6 sq ft

Parcel Number302N28015201670000

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Washer Hookup

Spa FeaturesCommunity