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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 a waterfront home in Nassau County.

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Active·Listed today

940596 Old Nassauville Road

Fernandina Beach, FL 32034

$879,000$805/sqftEst. $4,566/moMLS# 2164375
3
Beds
2
Baths
1,092
Sq Ft
1950
Built
Garage
No
Pool

About this home

Fernandina Beach

1.74-Acre Fernandina Beach Waterfront Retreat with Private Dock. Rare opportunity to own a beautifully remodeled waterfront retreat on 1.74 acres along Christopher Creek, offering a private dock, expansive marsh and water views, and access to the Nassau River and Intracoastal Waterway. Surrounded by mature trees and natural Northeast Florida scenery, this 3-bedroom, 2-bath home combines privacy, open space, and direct waterfront enjoyment with a bright, open floor plan designed for comfortable everyday living and entertaining. Inside, the spacious kitchen features new stainless-steel appliances, new cabinetry, generous counter space, a breakfast bar, coffee bar, and adjoining dining area. Extensive improvements add to the home's move-in-ready appeal, including a new roof, HVAC system, plumbing, electrical, windows, Hardie board siding, LVP flooring, interior and exterior paint, well, and septic system The neutral finishes and abundant natural light create a fresh coastal feel while

Cost to own

Mortgage calculator

$879,000
$175,800
Loan Term
Monthly Payment
$4,566
Principal & Interest: $4,566
Property taxes (est.): $1,214
Insurance (est.): $586
Estimated Total Monthly
$6,365
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$4,566
Property taxesest. at asking price, Nassau County$1,213
Estimated total, before insurance$5,779/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,263/yr · $439/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

2024 property taxes (current owner): $5,263/yr

Estimated taxes if purchased at asking price: ~$14,600/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

  • Sep 11, 2026Listed$879,000

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

Features

Price$879,000
Price / Sq Ft$805
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,092
Acres1.74 acres
Year Built1950
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage, Traditional
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes

Community Information

Address940596 Old Nassauville Road, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionChristopher Creek Est
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size75,794.4 sq ft
Parcel Number452N28524000060000

Amenities

UtilitiesSewer Connected, Water Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingOther
ViewRiver, Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesDock
Patio / PorchCovered, Front Porch, Rear Porch
ConstructionFiber Cement
Road FrontageCity Street

Additional Information

Date ListedSeptember 11, 2026
Days on Market0
Tax Amount$5,262.64
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ERA ONETEAM REALTY

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

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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