Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Fernandina Beach.

Photo 1 / 45
Active

Active·Listed today

96177 Piedmont Drive

Fernandina Beach, FL 32034

$360,000$248/sqftEst. $1,906/moMLS# 2165475
3
Beds
2
Baths
1,452
Sq Ft
2005
Built
2
Garage
No
Pool
HOA $48/mo8,276 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Welcome to 96177 Piedmont Dr in Fernandina Beach! This inviting corner-lot home offers comfortable living, thoughtful updates, and a convenient location. The open-concept layout creates an easy flow for everyday living and entertaining, while fresh interior paint and large closets in every bedroom add comfort and functionality. The kitchen features new appliances, and a new washer and dryer provide added convenience. Enjoy Florida's beautiful weather from the screened porch while relaxing in the fully fenced backyard. The 2024 roof offers peace of mind. With a low HOA fee and close proximity to shopping and dining, this home makes everyday living easy. Plus, Amelia Island's upscale shopping, dining, beaches, and resorts are just a short drive away!

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$1,906
Property taxesest. at asking price, Nassau County$497
HOAbilled annually$48
Estimated total, before insurance$2,451/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,621/yr · $135/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

$360,000
$72,000
Loan Term
Monthly Payment
$1,906
Principal & Interest: $1,906
Property taxes (est.): $497
Insurance (est.): $240
Estimated Total Monthly
$2,643
*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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,766 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,621/yr

Estimated taxes if purchased at asking price: ~$6,000/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$360,000

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

Features

Price$360,000
Price / Sq Ft$248
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,452
Acres0.19 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address96177 Piedmont Drive, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionLofton Point
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size8,276.4 sq ft
Parcel Number012N27127000100000

Amenities

AmenitiesPlayground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Vinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionCorner Lot, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPorch, Screened
FencingBack Yard
RoofShingle
ConstructionStucco, Vinyl Siding

Additional Information

Date ListedSeptember 18, 2026
Days on Market0
HOA Fees$572 / Annually
HOA FrequencyAnnually
Tax Amount$1,620.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · Cat.Keiter@FloridaNetworkRealty.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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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