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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

$725,0003 bd · 2.5 ba · 2,064 sq ft

Active·67 days on market·Summer Beach

96143 Hanging Moss Drive

Fernandina Beach, FL 32034

$725,000$351/sqftEst. $3,953/mo mortgageMLS# 2162644
3
Beds
2.5
Baths
2,064
Sq Ft
2021
Built
2
Garage
No
Pool

3 more homes for sale in Summer Beach →Search Summer Beach on the map

FEMA Zone XHOA $431/mo2,178 sqft lotTownhouse2 stories

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About this home

Summer Beach

Experience coastal living at its finest in this like new townhome located in a gated community on the highly desirable south end of Amelia Island. Designed for both comfort and convenience, this townhome features a private elevator and dual primary suites, one on each level, making it ideal for guests or multigenerational living. The upgraded kitchen showcases quartz countertops, stainless steel appliances, and a gas range, seamlessly opening to a light-filled living area that is perfect for entertaining. Built with efficiency in mind, the home includes a tankless gas water heater and is situated within a natural gas community offering premium amenities. Residents enjoy access to a community pool, clubhouse, and a paved bike trail that leads directly to the beach, making it effortless to embrace the island lifestyle. Car enthusiasts and hobbyists will appreciate the two-car garage featuring a durable Swisstrax flooring system, cabinetry, and a dedicated workbench for optimal

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,953
Property taxesest. at asking price, Nassau County$1,001
HOAbilled monthly$431
Estimated total, before insurance$5,385/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,024/yr · $835/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$725,000
$145,000
Loan Term
Monthly Payment
$3,953
Principal & Interest: $3,953
Property taxes (est.): $1,001
Insurance (est.): $483
Estimated Total Monthly
$5,437
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2021)

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

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 September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$644,791$644,791—
2024$542,827$542,827—
2023$519,833$437,662—
2022$473,458$423,458—
2021$60,000$60,000—
2020$60,000$60,000—

2025 property taxes (current owner): $10,024/yr

Estimated taxes if purchased at asking price: ~$12,000/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 (2025), NEFMLS.

History

Price & status history

  • Aug 31, 2026Listed$725,000

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 $394/sq ft; this home is listed at $351/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96135 Hanging Moss Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS)Jun 2026$775,000$3703/2.52,09310
95068 Summerwoods Circle 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJul 2026$740,000$3583/32,065570.1
95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$840,000$3943/2.52,134740.1
95027 Summer Crossing 1402, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYJan 2026$880,000$4083/3.52,155610.1
95220 Summerwoods Circle 1205, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPDec 2025$690,000$3343/32,065320.1
95243 Summerwoods Circle 801, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCJun 2025$875,000$4063/3.52,155550.1

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

Price$725,000
Price / Sq Ft$351
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,064
Total Structure Area2,064 sq ft
Acres0.05 acres
Year Built2021
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address96143 Hanging Moss Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionEnclave At Summer Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size2,178 sq ft
Parcel Number00SB30046E00460000
ZoningPUD

Amenities

AmenitiesPool, Elevator(s), Gated
Community FeaturesSidewalks, Gated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

Interior FeaturesKitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories2
LevelsTwo
SecurityFire Sprinkler System, Security Gate

Exterior

Patio / PorchScreened
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedAugust 31, 2026
Days on Market67
HOA Fees$431 / Monthly
HOA FrequencyMonthly
Tax Amount$10,023.92
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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.

The neighborhood

About Summer Beach

Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Summer Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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