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This home is in Fernandina Beach.

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Active·6 days on market

941842 Old Nassauville Road

Fernandina Beach, FL 32034

$569,000$260/sqftEst. $2,940/moMLS# 2163211

Beds

Baths

2,190

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Nearly a FULL ACRE, an OVERSIZED 3-CAR GARAGE, and NO HOA or CDD fees make this Fernandina Beach home a rare find! Offering plenty of space and privacy, the property features a fully fenced yard, screened-in lanai, and a spacious, thoughtfully designed interior with upgraded finishes throughout. Completely high and dry, the home offers the freedom and flexibility of a large homesite without the restrictions or added expense of an HOA. Enjoy the screened lanai and private backyard with plenty of room to relax, entertain, or make the space your own. Conveniently located close to Amelia Island, beaches, shopping, dining, and interstate access, this home combines space, privacy, and an excellent Fernandina Beach location.

Cost to own

Mortgage calculator

Home Price

$569,000

Down Payment: 20%

$113,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,940

Principal & Interest: $2,940

Property taxes (est.): $786

Insurance (est.): $379

Estimated Total Monthly

$4,105

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,940

Property taxesest. at asking price, Nassau County$786

Estimated total, before insurance$3,726/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,919/yr · $160/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): $1,919/yr

Estimated taxes if purchased at asking price: ~$9,400/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: material not specified — year not disclosed (home built 2026)

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 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.

History