Active·57 days on market
95002 Lanier Road
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
Deep Water Access from your back yard--Enjoy peaceful coastal living with forever changing views on this 1.29 private acres on deep water. Located only ½ mile from Holly Point Boat Ramp on Christopher Creek, this Fernandina Beach property offers quick access to boating, fishing, and the scenic creeks leading to the Nassau River and Intracoastal Waterway. Best of all, there is NO HOA, providing the freedom to bring your boat, trailer, or recreational vehicles. This brick home features 3 bedrooms, 2 bathrooms, The functional layout includes a spacious living room with fireplace. One of the star features of the home is the expansive Florida room, creating an incredible indoor-outdoor gathering space complete with an outdoor kitchen setup! Perfect for hosting guest or relaxing while enjoying the natural surroundings.The property also has 2 wells , one that is deep water and the other is artesian. The property also includes a large detached workshop with a full bathroom.
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 (that applies to the reference bill above too).
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,610 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 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 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
Burney Parkabout 5 mi · 220 parking spaces
Closest park or preserve
Betz-Tiger Point Preserveabout 5 mi · 4.3 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 0.4 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 4 mi · Edwards Creek
Closest grocery store
Walmart Supercenterabout 4 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $16,973/yr
Estimated taxes if purchased at asking price: ~$16,300/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.
History
Price & status history
- Sep 1, 2026Listed$985,000
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 $182/sq ft; this home is listed at $531/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 940197 Old Nassauville Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Sep 2026 | $868,000 | $369 | 4/2.5 | 2,350 | 63 | 0.3 |
| 94273 Duck Lake Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $153,100 | $114 | 3/2 | 1,344 | 54 | 0.8 |
| 85182 Lonnie Crews Road, Fernandina Beach, FL 32034Listed by CHENINGHAM REALTY LLC | Apr 2026 | $249,995 | $149 | 3/2 | 1,678 | 114 | 0.8 |
| 85336 Crews Road N, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | May 2026 | $115,000 | $86 | 3/2 | 1,344 | 6 | 0.9 |
| 95605 Springhill Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $359,900 | $182 | 4/2 | 1,976 | 136 | 1.1 |
| 95608 Clearwater Road, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Apr 2026 | $305,000 | $195 | 3/2 | 1,568 | 111 | 1.2 |
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
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
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
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