Active·58 days on market
96100 Stoney Drive
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Welcome to this 3-bedroom, 2-bath home offering approximately 1,680 square feet of living space in the desirable Stoney Creek community of Fernandina Beach. The home features a comfortable and functional floor plan, plenty of natural light, and an attached garage providing convenient parking and additional storage. Enjoy the added benefit of a community pool, perfect for relaxing and enjoying the Florida sunshine. Conveniently located near shopping, dining, schools, Amelia Island, and the beautiful beaches of Fernandina Beach. A wonderful opportunity to make this home your own and add your personal touches.
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.
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 — 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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: material not specified — year not disclosed (home built 2008)
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: ~1,775 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Beach access 40, S Fletcher Ave. & Pascoabout 5 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 7 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 2 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 7 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 0.3 mi · 464016 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Sep 23, 2026Price change$249,900−$10,100
- Aug 25, 2026Listed$260,000
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 $184/sq ft; this home is listed at $149/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96028 Cottage Court 1401, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $280,000 | $172 | 3/2.5 | 1,631 | 18 | 0.1 |
| 96010 Stoney Drive 2405, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $300,000 | $179 | 3/2 | 1,680 | 91 | 0.1 |
| 96033 Stoney Drive 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $290,000 | $216 | 2/2 | 1,341 | 70 | 0.1 |
| 96066 Stoney Creek Parkway, Fernandina Beach, FL 32034Listed by EXP REALTY LLC | Apr 2026 | $285,000 | $203 | 2/2 | 1,407 | 48 | 0.1 |
| 96035 Cottage Court 1208, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Mar 2026 | $299,500 | $184 | 3/2.5 | 1,631 | 23 | 0.1 |
| 96222 Stoney Drive 2805, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Nov 2025 | $302,000 | $180 | 3/2 | 1,680 | 79 | 0.1 |
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
Additional Information
Listing Courtesy of: PINEYWOODS REALTY LLC
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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Krista Fracke
Broker Associate
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