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This home is in Fernandina Beach a waterfront home in Nassau County.

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Active·Listed today

95152 Snapdragon Drive

Fernandina Beach, FL 32034

$438,900$235/sqftEst. $2,324/moMLS# 2165384
4
Beds
2
Baths
1,866
Sq Ft
2019
Built
2
Garage
No
Pool
HOA $12/mo9,148 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fernandina Beach

Welcome to 95152 Snapdragon Drive, a beautifully maintained, like new, 4-bedroom, 2-bath home in Amelia Concourse with serene pond views and a partially paid CDD bond. Seller will consider paying off the remaining CDD bond balance with an agreeable offer and terms. Built in 2019 by Dream Finders Homes, this 1,866-square-foot Davidson floor plan offers an inviting layout with thoughtful finishes and comfortable everyday living. The heart of the home is the stylish kitchen, featuring 42-inch white cabinetry, stainless steel appliances, a gas cooktop, pantry, designer backsplash, pendant lighting, and a large island overlooking the spacious family room. Tile flooring flows throughout the main living areas, creating a clean, cohesive feel. The owner's suite offers a relaxing retreat with dual vanities, a soaking tub, separate shower, and walk-in closet.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,324
Property taxesest. at asking price, Nassau County$606
HOAbilled annually$12
Estimated total, before insurance$2,942/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,306/yr · $609/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

$438,900
$87,780
Loan Term
Monthly Payment
$2,324
Principal & Interest: $2,324
Property taxes (est.): $606
Insurance (est.): $293
Estimated Total Monthly
$3,223
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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

Taxes & assessment

2025 property taxes (current owner): $7,306/yr

Estimated taxes if purchased at asking price: ~$7,300/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$438,900

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

Features

Price$438,900
Price / Sq Ft$235
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,866
Acres0.21 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

Community Information

Address95152 Snapdragon Drive, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia Concourse
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size9,147.6 sq ft
Parcel Number302N28015101410000
ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Playground
UtilitiesElectricity Connected, Natural Gas Connected
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne

Exterior

FencingBack Yard

Additional Information

Date ListedSeptember 18, 2026
Days on Market0
HOA Fees$146 / Annually
HOA FrequencyAnnually
Tax Amount$7,305.9
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY · chad@summerhouserealty.com

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.

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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