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Sold

Sold·Closed Oct 15, 2026·22 days on market

95967 Surrey Place

Fernandina Beach, FL 32034

$425,000sold priceListed at $425,000 · 100% of asking$178/sqftMLS# 2164121
4
Beds
3
Baths
2,388
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XHOA $81/mo4,792 sqft lotSingle Family Residence2 stories

About this home

Fernandina Beach

OPTION TO PURCHASE FULLY FURNISHED AT NO ADDITIONAL CHARGE! Built in 2024 and gently used as a vacation home, this beautifully maintained 4-bedroom, 3-bath home offers 2,388 square feet in Concourse Crossing Phase 3. Located on a quiet cul-de-sac street with sidewalks, the home is zoned for desirable Fernandina Beach schools and is not located in a flood zone. Inside, the open-concept living area features luxury vinyl plank flooring, custom lighting and an electric fireplace accented by shiplap. The kitchen is both stylish and functional with quartz countertops, white cabinetry enhanced with added hardware, a blue accent island and a spacious walk-in pantry. One bedroom and a full bath are conveniently located downstairs, providing a great option for guests, a home office or multigenerational living. Upstairs, the primary suite includes a large walk-in closet and private bath with dual vanities and a walk-in shower. Two additional bedrooms and another full bath complete the second

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$2,317
Property taxesest. at asking price, Nassau County$587
HOAbilled annually$81
Estimated total, before insurance$2,985/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,115/yr · $510/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).

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: Shingle — year not disclosed (home built 2024)

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

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): $6,115/yr

Estimated taxes if purchased at asking price: ~$7,000/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 15, 2026Closed$425,000
  • Oct 5, 2026Pending$425,000
  • Sep 11, 2026Active Under Contract$425,000
  • Sep 9, 2026Listed$425,000

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 $210/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$1934/2.52,28590
95057 Terri'S Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYOct 2026$393,000$1774/2.52,225890.2
97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$405,000$2273/21,787890.4
96057 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLCOct 2026$438,997$2124/32,0701170.8
96070 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLCOct 2026$434,997$2103/22,070680.8
96030 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLCSep 2026$420,000$2033/22,070500.8

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$425,000
Price / Sq Ft$178
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,388
Acres0.11 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementarySouthside, reported on 47 other Concourse Crossing listings
MiddleFernandina Beach, reported on 54 other Concourse Crossing listings
HighFernandina Beach, reported on 54 other Concourse Crossing listings
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address95967 Surrey Place, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionConcourse Crossing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size4,791.6 sq ft
Parcel Number292N28033101000000
ZoningPUD

Amenities

UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo

Exterior

Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 9, 2026
Days on Market22
HOA Fees$970 / Annually
HOA FrequencyAnnually
Tax Amount$6,115.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (buyer's brokerage)

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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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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