Active·46 days on market
95278 Katherine Street
Fernandina Beach, FL 32034
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Beautiful Single Story home, PLUS most FURNITURE and Washer/Dryer. Positioned across from neighborhood green space and near community trail with preserve views from the screened porch. NO CDD fees/LOW HOA fee! The front porch welcomes you in into a spacious foyer and open concept design filled with natural light. The interior features luxury vinyl plank floors with tile in primary bath, a chef-inspired kitchen with quartz counters, island seating, stainless appliances and corner pantry. The kitchen flows into the dining area and living room, with access to the covered porch. The owner's suite provides a relaxing retreat with tray ceiling, walk-in closet, luxurious bath with soaking tub, separate shower, dual-sink vanity, and water closet. A privacy door off the kitchen creates a separate retreat for guests or family, allowing the office/den, guest rooms and guest bath to be closed off from the main living area. Minutes from Amelia Island. Near shopping, dining, Airport and Kings Bay.
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.
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
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: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,545 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 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 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.
Closest beach parking
Scott Road Beach Accessabout 4 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 7 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 3 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Walmart Supercenterabout 2 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.
History
Price & status history
- Sep 29, 2026Price change$409,000−$10,000
- Sep 13, 2026Listed$419,000
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 $193/sq ft; this home is listed at $216/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95238 Katherine Street, Fernandina Beach, FL 32034Listed by 1 PERCENT LISTS FIRST COAST | Aug 2026 | $404,000 | $168 | 4/3 | 2,407 | 72 | 0 |
| 95057 Terri'S Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $393,000 | $177 | 4/2.5 | 2,225 | 89 | 0.1 |
| 97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $405,000 | $227 | 3/2 | 1,787 | 89 | 0.1 |
| 95161 Lock Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $408,000 | $215 | 3/2 | 1,895 | 89 | 0.2 |
| 95967 Surrey Place, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2026 | $425,000 | $178 | 4/3 | 2,388 | 22 | 0.3 |
| 95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $193 | 4/2.5 | 2,285 | 9 | 0.3 |
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: COLDWELL BANKER THE AMELIA GROUP
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
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