Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Marsh Creek, Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·1 day on market·Marsh Creek

39 Marsh Creek Road

Fernandina Beach, FL 32034

$1,980,000$508/sqftEst. $10,232/moMLS# 2163951

Beds

Baths

3,901

Sq Ft

2004

Built

Garage

Pool

About this home

Marsh Creek

Nearly 4,000 SF of thoughtfully designed living space along the 14th fairway of Oak Marsh Golf Course within Amelia Island Plantation. Designed by John Cotner Architects, this distinctive home offers three en-suite bedrooms, multiple gathering spaces and a private in-law suite with separate entrance, living area, kitchenette and bath. Soaring ceilings, detailed trim, abundant natural light and a dramatic stone fireplace highlight the freshly painted interior. The kitchen features exposed beams, GE Monogram refrigerator, Thermador gas range, wine cooler, ice maker and compactor. Upstairs, the primary suite overlooks the fairway with a newly rebuilt balcony, propane fireplace, dual closets, elevator access and bath with dual sinks, walk-in shower and marble jetted tub. Additional features include impact-rated Andersen windows and doors, 2020 roof, 2023 whole-house Generac generator, 500-gallon in-ground propane tank and xeriscape landscaping. Bring your vision and make it your own.

Cost to own

Mortgage calculator

Home Price

$1,980,000

Down Payment: 20%

$396,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$10,232

Principal & Interest: $10,232

Property taxes (est.): $2,733

Insurance (est.): $1,320

Estimated Total Monthly

$14,285

*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$10,232

Property taxesest. at asking price, Nassau County$2,733

HOAbilled annually$208

Estimated total, before insurance$13,173/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,025/yr · $1,502/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): $18,025/yr

Estimated taxes if purchased at asking price: ~$32,800/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,738 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.

History