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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 Fernandina Beach.

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Active

Active·1 day on market

95067 Brookhill Place

Fernandina Beach, FL 32034

$860,000$320/sqftEst. $4,444/moMLS# 2163952
4
Beds
3
Baths
2,690
Sq Ft
2007
Built
2
Garage
No
Pool

About this home

Fernandina Beach

Set on a beautifully landscaped 1.26-acre lot in gated Amelia Bay Estates, this 4-bedroom, 3-bath home offers 2,690 square feet of single-story living with a spacious, versatile floor plan. Recent improvements include HVAC and hot water heater replaced in 2026, new garage door, newly fenced yard, Wifi enabled irrigation system, exterior wired lighting, and a freshly added stone front entrance. Inside, soaring 10- to 14-foot ceilings, abundant natural light, and no carpet create an open, airy feel. Multiple living and flex spaces offer options for entertaining, relaxing, working from home, or creating a space that fits your needs. The kitchen features granite countertops, 46 inch cabinetry, newer appliances, a breakfast nook, and access to a butler's pantry. Nearby, the family room features a gas fireplace with custom built ins. Expansive windows along the back overlook the lush backyard and fill the home with natural light. Privately situated away from the guest bedrooms, the primary

Cost to own

Mortgage calculator

$860,000
$172,000
Loan Term
Monthly Payment
$4,444
Principal & Interest: $4,444
Property taxes (est.): $1,187
Insurance (est.): $573
Estimated Total Monthly
$6,205
*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$4,444
Property taxesest. at asking price, Nassau County$1,187
HOAbilled annually$85
Estimated total, before insurance$5,716/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,832/yr · $736/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): $8,832/yr

Estimated taxes if purchased at asking price: ~$14,200/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.

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 2007)

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

Sewer · FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) · Public water · JEA

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

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

Solar potential: ~1,758 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

Price & status history

  • Sep 8, 2026Listed$860,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$860,000
Price / Sq Ft$320
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,690
Acres1.26 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address95067 Brookhill Place, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia Bay Estates
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size54,885.6 sq ft
Parcel Number322N28005A00030000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Cooktop, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air
# of Stories1
SecuritySecurity Gate

Exterior

Patio / PorchRear Porch
FencingFenced, Back Yard

Additional Information

Date ListedSeptember 8, 2026
Days on Market5
HOA Fees$1,021 / Annually
HOA FrequencyAnnually
Tax Amount$8,831.66
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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