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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 National, Fernandina Beach — a gated community home on Amelia Island.

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Active

$675,0005 bd · 4 ba · 2,868 sq ft

Active·64 days on market·Amelia National

95275 Poplar Way

Fernandina Beach, FL 32034

$675,000$235/sqftEst. $3,680/mo mortgageMLS# 2163348
5
Beds
4
Baths
2,868
Sq Ft
2011
Built
3
Garage
No
Pool

30 more homes for sale in Amelia National →Search Amelia National on the map

FEMA Zone XHOA $75/mo10,454 sqft lotSingle Family Residence2 stories

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About this home

Amelia National

Experience the perfect combination of luxury, location, and golf course living in this exquisite guard-gated community, Amelia National. This 5BR/4BA home sits on a private quarter-acre lot that backs to a wooded preserve for added seclusion. This property provides a strong rental history with consistent occupancy and dependable tenants already in place - immediate income from day 1! Currently generating $40,800 annually in rent and includes an assumable loan at an exceptional 3% interest rate, take advantage of this immediate cash-flow potential. The assumable loan will save you hundreds each month! This beauty features a FIRST-FLOOR MASTER suite AND a second-floor master suite w/ full bath - perfect set up for a mother-in-law or guests that would like their own space. The upgraded kitchen overlooks the spacious family room that features views of that serene, wooded preserve. The exterior boasts a 3-car garage, paver driveway/rear patio, fresh mulch to be laid soon, covered porch

Next steps in Amelia National

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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$3,680
Property taxesest. at asking price, Nassau County$932
HOAbilled annually$75
Estimated total, before insurance$4,687/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,113/yr · $759/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

$675,000
$135,000
Loan Term
Monthly Payment
$3,680
Principal & Interest: $3,680
Property taxes (est.): $932
Insurance (est.): $450
Estimated Total Monthly
$5,062
*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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2011)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,785 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

2025 property taxes (current owner): $9,113/yr

Estimated taxes if purchased at asking price: ~$11,200/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 3, 2026Listed$675,000

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 $223/sq ft; this home is listed at $235/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.2
95241 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYSep 2026$636,000$1934/43,29040.3
95134 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$535,000$1943/32,7601530.4
95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$410,000$1604/2.52,566430.4
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.6
95404 Golden Glow Drive, Fernandina Beach, FL 32034Listed by ICI SELECT REALTY, INC.Aug 2026$989,160$3064/3.53,23400.6

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$675,000
Price / Sq Ft$235
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,868
Acres0.24 acres
Year Built2011
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
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

Address95275 Poplar Way, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia National
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,454.4 sq ft
Parcel Number262N28006A01820000

Amenities

Community FeaturesRestaurant
UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
SecurityGated with Guard

Exterior

ConstructionFrame
Road SurfacePaved

Additional Information

Date ListedSeptember 3, 2026
Days on Market64
HOA Fees$899 / Annually
HOA FrequencyAnnually
Tax Amount$9,112.95
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 National

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

View all Amelia National 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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