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This home is in Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·10 days on market

96100 Stoney Drive

Fernandina Beach, FL 32034

$260,000$155/sqftEst. $1,344/moMLS# 2161757

Beds

Baths

1,680

Sq Ft

2008

Built

Garage

Pool

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

Mortgage calculator

Home Price

$260,000

Down Payment: 20%

$52,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,344

Principal & Interest: $1,344

Property taxes (est.): $359

Insurance (est.): $173

Estimated Total Monthly

$1,876

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,344

Property taxesest. at asking price, Nassau County$359

HOAbilled monthly$370

Estimated total, before insurance$2,072/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.

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 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 25, 2026Listed$260,000

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

Features

Price$260,000

Price / Sq Ft$155

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,680

Year Built2008

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address96100 Stoney Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionCottages at Stoney Creek

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number252N28027C26040000

Amenities

AmenitiesPool

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

AppliancesDishwasher, Electric Oven, Microwave

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

Additional Information

Date ListedAugust 25, 2026

Days on Market5

HOA Fees$370 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: PINEYWOODS REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

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