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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 Marsh Lakes, Fernandina Beach — a home near Fernandina Beach High School.

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Active

$661,0003 bd · 2 ba · 1,960 sq ft

Active·52 days on market·Marsh Lakes

93034LP Harbor Court

Fernandina Beach, FL 32034

$661,000$337/sqftEst. $3,604/mo mortgageMLS# 2164948
3
Beds
2
Baths
1,960
Sq Ft
2027
Built
2
Garage
No
Pool

All Marsh Lakes homes for sale →Search Marsh Lakes on the map

FEMA Zone AEHOA $107/mo5,663 sqft lotSingle Family Residence1 storyNew construction

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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.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Marsh Lakes

Bring your most meticulous buyers--this isn't standard builder grade! Located in the prestigious Marsh Lakes Village area just minutes from Amelia Island. Welcome clients by entering through an inviting portico into this gorgeous 3-bedroom, 2-bathroom home featuring a beautiful open floor plan and a two-car garage. Built with premium 2x6 walls, a weatherization wrap, and high R-value insulation. Highlights include stunning quartz countertops, 42-inch upper cabinets with crown molding, a generous credit for custom light fixtures. Please review the attached features list in the document section for all specifications. Community Pool and Tennis. Unimproved lot is listed in the MLS #

Next steps in Marsh Lakes

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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$3,604
Property taxesest. at asking price, Nassau County$913
HOAbilled semi-annually$107
Estimated total, before insurance$4,623/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,420/yr · $118/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$661,000
$132,200
Loan Term
Monthly Payment
$3,604
Principal & Interest: $3,604
Property taxes (est.): $913
Insurance (est.): $441
Estimated Total Monthly
$4,957
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2027)

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

Solar potential: ~1,785 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.

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, 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.

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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:48 AM, sunset 5:32 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,420/yr

Estimated taxes if purchased at asking price: ~$11,000/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

  • Sep 18, 2026Listed$661,000

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 $296/sq ft; this home is listed at $337/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$615,000$2964/22,0751220.5
96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$675,000$2984/22,26561
96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$592,000$2633/2.52,2511111
95043 Paso Robles Court, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$685,000$3852/21,778861.2
942611 Old Nassauville Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERSAug 2026$379,000$2653/1.51,42901.2
95421 Woodbridge Parkway, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$355,000$1954/21,8161071.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$661,000
Price / Sq Ft$337
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,960
Acres0.13 acres
Year Built2027
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionTo Be Built
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesWest

School Information

Community Information

Address93034LP Harbor Court, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionMarsh Lakes
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size5,662.8 sq ft
Parcel Number372N28227W00080000
ZoningPUD

Amenities

AmenitiesPool, Playground, Tennis Court(s)
UtilitiesCable Available, Sewer Available, Water Available
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesOther
AppliancesOther
HeatingCentral, Heat Pump
CoolingOther
FlooringCarpet
# of Stories1
LevelsOne
LaundryLower Level
Spa FeaturesCommunity

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchRear Porch
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 18, 2026
Days on Market52
HOA Fees$639 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$1,420.14
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: FERNANDINA BEACH 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.

The neighborhood

About Marsh Lakes

Marsh Lakes is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Marsh Lakes homes for sale →
Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines