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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 Amelia Concourse, Fernandina Beach — a waterfront home in Nassau County.

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$438,9004 bd · 2 ba · 1,866 sq ft

Active·49 days on market·Amelia Concourse

95152 Snapdragon Drive

Fernandina Beach, FL 32034

$438,900$235/sqftEst. $2,393/mo mortgageMLS# 2165384
4
Beds
2
Baths
1,866
Sq Ft
2019
Built
2
Garage
No
Pool

9 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map

FEMA Zone XHOA $12/mo9,148 sqft lotWaterfrontSingle Family Residence1 story

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About this home

Amelia Concourse

SELLER WILLING TO PAY OFF REMAINING CDD BOND WITH ACCEPTABLE OFFER. Welcome to 95152 Snapdragon Drive, a beautifully maintained, like new, 4-bedroom, 2-bath home DEEP in Amelia Concourse on a quiet street with serene pond views and a partially paid CDD bond. 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.

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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$2,393
Property taxesest. at asking price, Nassau County$606
HOAbilled annually$12
Estimated total, before insurance$3,011/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
$2,393
Principal & Interest: $2,393
Property taxes (est.): $606
Insurance (est.): $293
Estimated Total Monthly
$3,291
*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 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: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,752 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 home

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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:45 AM, sunset 5:34 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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): $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.

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 $227/sq ft; this home is listed at $235/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.3
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.4
95179 Greenberry Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$519,000$2273/22,287620.6
85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$432,000$2143/22,022250.7
95081 Wildwood Circle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTYSep 2026$305,000$2153/21,418840.8
85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$475,000$2423/2.51,9641370.8

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

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

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

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 Market49
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

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 Amelia Concourse

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

View all Amelia Concourse homes for sale →

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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