This home is in Fernandina Beach — a home near Fernandina Beach High School.
Sold·Closed Oct 29, 2026·13 days on market·Recent sales in Amelia Island
96260 Ocean Breeze Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Just minutes from the beach, this 2018 Riverside Amelia Island home offers 3 bedrooms plus a dedicated office or optional 4th bedroom, the split floor plan is filled with natural light, plantation shutters, crown molding, custom woodworking and tile flooring throughout the main living areas. The kitchen features a large island, Bosch double wall ovens, natural gas cooktop, double pantry and abundant cabinetry and counter space. Storage is exceptional throughout, with walk-in closets in every bedroom, dual walk-in closets in the primary suite and pull-down attic access. The primary retreat features a coffered ceiling and a spacious bath with dual vanities and an oversized walk-in shower with two shower heads. Triple sliding doors fully retract to connect the living area with the screened lanai, which is already plumbed for an outdoor kitchen. Just beyond, a brick paver patio and fire pit create the perfect evenings. Come experience the lifestyle for yourself.
Next steps in Amelia Island
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).
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,510 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
Beach access 30, S Fletcher Ave. & Simmons Rd.4 min drive · 10 parking spaces
Closest park or preserve
Egans Creek Greenway7 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 3 mi · Egan's Creek
Closest grocery store
Publix2 min drive · 1421 Sadler Rd, Fernandina Beach
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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:39 AM, sunset 6:40 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,763/yr
Estimated taxes if purchased at asking price: ~$13,400/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.
History
Price & status history
- Oct 29, 2026Closed$879,000
- Sep 16, 2026Pending$879,000
- Sep 2, 2026Listed$879,000
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 $378/sq ft; this home is listed at $347/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 828 Simmons Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Apr 2026 | $765,000 | $359 | 3/2 | 2,128 | 14 | 0.2 |
| 2972 Ferdinand Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $885,000 | $316 | 5/3 | 2,797 | 51 | 0.3 |
| 2971 Ferdinand Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $985,000 | $378 | 4/3 | 2,606 | 0 | 0.3 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.4 |
| 1908 Springbrook Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | May 2026 | $1,045,000 | $482 | 3/2.5 | 2,168 | 307 | 0.5 |
| 563 Santa Maria Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Mar 2026 | $645,000 | $287 | 4/2 | 2,249 | 19 | 0.5 |
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: ONE SOTHEBY'S INTERNATIONAL REALTY
Sold by: NON MLS (realMLS) (buyer's brokerage)
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
Broker Associate
This home sold on Oct 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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