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 home near Fernandina Beach High School.

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Active

Active·1 day on market

95958 Surrey Place

Fernandina Beach, FL 32034

$445,000$195/sqftEst. $2,288/moMLS# 2161951

Beds

Baths

2,285

Sq Ft

2025

Built

Garage

Pool

About this home

Fernandina Beach

Why wait for new construction when you can have a barely lived in home that is truly move in ready? This stunning 2025 residence was purchased in the spring as a second home and has been barely used. Located on a peaceful preserve lot, it offers privacy and a beautiful natural backdrop. Plantation shutters throughout, timeless Benjamin Moore Chantilly Lace paint, and pristine walls create a fresh, polished feel. The gourmet kitchen features quartz countertops and a 36-inch cooktop. An extra-long driveway provides abundant parking, while the garage offers an EV charger and SafeRacks storage. Flexible spaces provide options for a home office, playroom or additional living area, plus an upstairs bedroom/loft. Enjoy highly regarded Fernandina Beach schools, close proximity to Amelia Island beaches and historic downtown, and convenient access to Jacksonville International Airport.

Cost to own

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,288

Principal & Interest: $2,288

Property taxes (est.): $614

Insurance (est.): $297

Estimated Total Monthly

$3,199

*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$2,288

Property taxesest. at asking price, Nassau County$614

HOAbilled annually$81

Estimated total, before insurance$2,983/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,305/yr · $109/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): $1,305/yr

Estimated taxes if purchased at asking price: ~$7,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2025)

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

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 26, 2026Listed$445,000

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

Features

Price$445,000

Price / Sq Ft$195

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,285

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address95958 Surrey Place, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionConcourse Crossing

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number292N28033100960000

ZoningResidential

Amenities

AmenitiesDog Park, Jogging Path, Playground

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)