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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 Concourse, Fernandina Beach — a home near Yulee High School.

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Active·55 days on market·Amelia Concourse

95294 Snapdragon Drive

Fernandina Beach, FL 32034

$529,000$186/sqftEst. $2,884/mo mortgageMLS# 2163615
↓ $10,000 below original list
4
Beds
3
Baths
2,845
Sq Ft
2018
Built
3
Garage
No
Pool

9 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map

FEMA Zone XHOA $11/mo10,454 sqft lotWaterfrontSingle Family Residence2 stories

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About this home

Amelia Concourse

**OPEN HOUSE OCTOBER 24TH FROM NOON TO 2PM** WELCOME TO THE AUGUSTA II Dream Finders Floor Plan. Original owner. Some added builder upgrades and extras to this 4BR/3BA home for easy living and enjoyment includes but not limited to: Gourmet Kitchen, tile floors, bay windows, built-ins, under the stair storage, just to name a few. 3rd Bay Garage space was built into an open storage area with a closed in front with window. Enjoy the rocking chair front porch/swing with the kids, grandkids or just as a couple. Home features formal living and dining upon entry that can be used as flexible space. Gourmet Kitchen offers 42'' upper cabinets with soft close drawers, wall oven, microwave, under mount sink, Walk in Pantry plus a pantry closet. Primary suite offers a large walk-in closet, bay windows, soaking tub, water closet, and walk-in shower. Guest bedrooms have ample space. Upstairs loft area (4th BR) has its own bath and built-ins that can be used as a guest suite.

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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$2,884
Property taxesest. at asking price, Nassau County$730
HOAbilled annually$11
Estimated total, before insurance$3,625/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,175/yr · $431/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

$529,000
$105,800
Loan Term
Monthly Payment
$2,884
Principal & Interest: $2,884
Property taxes (est.): $730
Insurance (est.): $353
Estimated Total Monthly
$3,967
*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 D

Zone D evacuates after zones A, B, C 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: ~1,784 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

2025 property taxes (current owner): $5,175/yr

Estimated taxes if purchased at asking price: ~$8,800/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 23, 2026Price change$529,000−$10,000
  • Sep 4, 2026Listed$539,000

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 $194/sq ft; this home is listed at $186/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95134 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$535,000$1943/32,7601530.1
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.2
95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$410,000$1604/2.52,566430.2
95241 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYSep 2026$636,000$1934/43,29040.2
95154 Cornflower Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$505,000$1765/42,8761570.4
95179 Greenberry Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$519,000$2273/22,287620.5

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

Price$529,000
Price / Sq Ft$186
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,845
Acres0.24 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

MiddleYulee
HighYulee

Community Information

Address95294 Snapdragon Drive, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia Concourse
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,454.4 sq ft
Lot Dimensions70x120x100x120
Parcel Number302N28015101260000
ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewLake, Pond
Waterfront TypeLagoon, Lake Front, Pond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
Fireplace FeaturesElectric
# of Stories2
LaundryLower Level

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
FencingFull, Wrought Iron
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 4, 2026
Days on Market55
HOA Fees$133 / Annually
HOA FrequencyAnnually
HOA NameAmelia Concourse
Tax Amount$5,174.9
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

The neighborhood

About Amelia Concourse

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

View all Amelia Concourse homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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