$350,0003 bd · 2 ba · 1,853 sq ft
Active·64 days on market
96291 Ridgewood Circle
Fernandina Beach, FL 32034
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About this home
Fernandina Beach
Seller to contribute to buyers closing cost with acceptable offer. Beautifully Maintained 3-Bedroom Home with Major Updates Near Amelia Island! Welcome home to this inviting 3-bedroom, 2-bathroom home featuring a desirable split floor plan and soaring 10-foot ceilings that create a bright, open, and spacious feel throughout! The kitchen offers stainless steel appliances, making it perfect for everyday living and entertaining. Enjoy peace of mind knowing many of the home's major components have already been updated! The HVAC system is less than 5 years old, the roof is just 3 years old, and the water heater is brand new! Additional improvements include sliding glass doors replaced just 2 years ago and brand-new windows across the front of the home. Conveniently located near shopping, schools, dining, and major interstate access, this home also puts you just a short drive from the beautiful beaches of 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).
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2003)
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: ~1,767 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, 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.
Closest beach parking
Peters Point Beachfront Parkabout 6 mi · 180 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 7 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 2 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 7 mi · Egan's Creek
Closest grocery store
Winn-Dixieabout 0.6 mi · 96076 Lofton Square Ct, 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): $2,873/yr
Estimated taxes if purchased at asking price: ~$5,800/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 22, 2026Price change$350,000−$19,900
- Oct 16, 2026Price change$369,900−$15,000
- Sep 14, 2026Price change$384,900−$14,100
- Sep 3, 2026Listed$399,000
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 $237/sq ft; this home is listed at $189/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 86107 Remsenburg Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Sep 2026 | $527,500 | $237 | 5/3 | 2,223 | 44 | 0.3 |
| 23701 Flora Parke Boulevard, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $389,000 | $238 | 4/2 | 1,636 | 10 | 0.4 |
| 32165 Juniper Parke Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $450,000 | $206 | 4/2 | 2,180 | 262 | 0.4 |
| 86408 Eastport Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $549,750 | $241 | 3/2.5 | 2,281 | 39 | 0.6 |
| 83122 Village Walk, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $390,000 | $213 | 4/2 | 1,830 | 55 | 0.7 |
| 82735 Belvoir Court, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Oct 2026 | $453,000 | $200 | 5/3 | 2,268 | 49 | 1 |
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: IRON VALLEY REAL ESTATE NORTH FLORIDA
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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