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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 Amelia Walk, Fernandina Beach — a waterfront home in Nassau County.

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Pending

Pending·55 days on market·Amelia Walk

85304 Berryessa Way

Fernandina Beach, FL 32034

$489,000$236/sqftEst. $2,687/mo mortgageMLS# 2162949
3
Beds
2
Baths
2,070
Sq Ft
2021
Built
3
Garage
No
Pool

13 more homes for sale in Amelia Walk →Search Amelia Walk on the map

FEMA Zone XHOA $7/mo10,890 sqft lotWaterfrontSingle Family Residence1 story

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About this home

Amelia Walk

Your Beach Life is Calling! Quality Taylor Morrison construction and thoughtful design come together in this 3-bedroom, 2-bath home with a dedicated office and 3-car garage. The open floor plan features impressive 12-foot ceilings, 8-foot doorways, abundant natural light, and a versatile flex space. The spacious eat-in kitchen flows into the main living area, creating an ideal layout for living and entertaining. The screened lanai overlooking the pond is a peaceful spot to relax and enjoy the view. Situated on a large lot with room for a pool, this home offers plenty of outdoor space. Amelia Walk offers many amenities including a residents' clubhouse, large pool with sundecks, fitness center, tennis and pickleball courts, lake with gazebo, playground, and adjacent soccer field. Near shopping, movie theaters, golf courses, and just minutes to Amelia Island beaches, state parks and the historic harbor front community of Fernandina Beach. Zoned for A-rated Nassau County schools.

Next steps in Amelia Walk

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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 · 7.32% · 30yr$2,687
Property taxesest. at asking price, Nassau County$675
HOAbilled annually$7
Estimated total, before insurance$3,369/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,935/yr · $911/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$489,000
$97,800
Loan Term
Monthly Payment
$2,687
Principal & Interest: $2,687
Property taxes (est.): $675
Insurance (est.): $326
Estimated Total Monthly
$3,688
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 E

Zone E evacuates after zones A, B, C, D 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: ~1,786 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 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.

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$466,334$460,715—
2024$447,975$418,832—
2023$431,705$380,756—
2022$346,142$346,142—
2021$40,000$40,000—
2020$40,000$40,000—

2025 property taxes (current owner): $10,935/yr

Estimated taxes if purchased at asking price: ~$8,100/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

  • Sep 11, 2026Pending$489,000
  • Sep 1, 2026Listed$489,000

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 $214/sq ft; this home is listed at $236/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
85428 Sagaponack Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAOct 2026$563,000$2124/32,6572780.2
85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$475,000$2423/2.51,9641370.4
85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$432,000$2143/22,022250.4
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.8
84951 Fall River Parkway, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$445,000$1964/22,26600.8
85645 Stonehurst Parkway, Fernandina Beach, FL 32034Listed by INTEGRITY ONE PROPERTIES LLCOct 2026$453,483$1994/32,282480.9

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$489,000
Price / Sq Ft$236
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,070
Acres0.25 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address85304 Berryessa Way, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia Walk
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,890 sq ft
Parcel Number132N27072200260000
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt, Paved
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 1, 2026
Days on Market55
HOA Fees$85 / Annually
HOA FrequencyAnnually
Tax Amount$10,935.26
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

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.

The neighborhood

About Amelia Walk

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

View all Amelia Walk homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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