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 Amelia National, Fernandina Beach — a home near Yulee High School.

Pending

Pending·Listed today·Amelia National

94966 Fescue Drive

Fernandina Beach, FL 32034

$970,550$347/sqftEst. $4,984/moMLS# 2161698

Beds

Baths

2,797

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

Amelia National

Step into the Egret V, where spacious design meets effortless luxury! With over 3,000 sq. ft., 4 bedrooms, and 3 baths, this stunning home offers plenty of room to live, entertain, and unwind. The open-concept layout flows seamlessly from the deluxe kitchen into the expansive living area and out to the covered lanai--perfect for hosting friends or enjoying a quiet Florida evening. Retreat to the private owner's suite featuring a tray ceiling, generous walk-in closets, and a spa-inspired bath. With flexible living spaces, thoughtful details, and room to make it your own, the Egret V is designed for the way you want to live.

Cost to own

Mortgage calculator

Home Price

$970,550

Down Payment: 20%

$194,110

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,984

Principal & Interest: $4,984

Property taxes (est.): $1,340

Insurance (est.): $647

Estimated Total Monthly

$6,971

*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$4,984

Property taxesest. at asking price, Nassau County$1,340

HOAbilled annually$81

Estimated total, before insurance$6,406/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.

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 2026)

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

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