$879,0003 bd · 2 ba · 1,092 sq ft
Active·50 days on market
940596 Old Nassauville Road
Fernandina Beach, FL 32034
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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
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard (the whole 1.7-acre lot)
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: material not specified — year not disclosed (home built 1950)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,338 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Closest beach parking
Burney Parkabout 5 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 6 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 0.9 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest grocery store
Walmart Supercenterabout 4 mi · 464016 State Road 200, Yulee
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
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.
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 $158/sq ft; this home is listed at $805/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 940731 Old Nassauville Road, Fernandina Beach, FL 32034Listed by PREMIER COASTAL PROPERTIES, LLC | Nov 2025 | $230,000 | $185 | 3/2 | 1,244 | 67 | 0.3 |
| 85336 Crews Road N, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | May 2026 | $115,000 | $86 | 3/2 | 1,344 | 6 | 0.6 |
| 85132 Lonnie Crews Road, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jan 2026 | $182,500 | $158 | 3/2 | 1,152 | 86 | 0.9 |
| 94072 Duck Lake Drive, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jun 2025 | $180,000 | $156 | 3/2 | 1,152 | 42 | 0.9 |
| 85045 Lonnie Crews Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Jun 2026 | $222,000 | $240 | 2/2 | 924 | 53 | 1 |
| 94273 Duck Lake Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $153,100 | $114 | 3/2 | 1,344 | 54 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ERA ONETEAM REALTY
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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