94974 Fescue Drive

Fernandina Beach, FL 32034

$845,672$261/sqftEst. $4,348/moMLS# 2161709

Beds

Baths

3,234

Sq Ft

2026

Built

Garage

Pool

About this home

Amelia National

Discover the Egret V, where spacious single-story living meets modern luxury! With over 3,000 sq. ft., 4 bedrooms, and 3 baths, this beautifully designed home offers an open, light-filled layout made for both relaxing and entertaining. Soaring 12-ft ceilings create a stunning sense of space in the expansive living room, flowing seamlessly into the deluxe kitchen and dining area. Escape to the private owner's suite featuring a tray ceiling, dual walk-in closets, and a spa-inspired bath. Step outside to the covered lanai for effortless indoor-outdoor living. With flexible spaces and thoughtful design throughout, the Egret V has everything you need to feel right at home.

Cost to own

Mortgage calculator

Home Price

$845,672

Down Payment: 20%

$169,134

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,348

Principal & Interest: $4,348

Property taxes (est.): $1,168

Insurance (est.): $564

Estimated Total Monthly

$6,079

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,348

Property taxesest. at asking price, Nassau County$1,167

HOAbilled annually$81

Estimated total, before insurance$5,596/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