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

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Sold

Sold·Closed Sep 17, 2026·0 days on market

96285 Light Wind Drive

Fernandina Beach, FL 32034

$595,000sold priceListed at $629,000 · 94.6% of asking$324/sqftMLS# 2165994
3
Beds
2
Baths
1,838
Sq Ft
1995
Built
2
Garage
No
Pool
HOA $142/moWaterfrontSingle Family Residence1 story

About this home

Fernandina Beach

Set behind the gates of Oyster Bay Harbour, this former model home offers lakefront living with quality construction and thoughtful updates throughout. Plantation shutters, French doors, and large windows fill the home with natural light while showcasing water views from many of the main living areas. The split-bedroom floor plan includes three bedrooms, two baths, a dedicated office, and a formal dining room. The kitchen was updated with granite countertops, and brand-new stainless steel LG appliances. The primary suite offers water views and a private setting. The master bath includes dual sink quartz countertops and an oversized walk-in closet. A paver driveway and front porch enhance the home's curb appeal, while the expanded screened paver lanai and patio provide ample space for outdoor dining, entertaining, or simply enjoying the view. The backyard features mature landscaping and lemon, lime & grapefruit trees. Residents of Oyster Bay Harbour enjoy access to a community pool

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,296
Property taxesest. at asking price, Nassau County$821
HOAbilled quarterly$142
Estimated total, before insurance$4,259/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$595,000
$119,000
Loan Term
Monthly Payment
$3,296
Principal & Interest: $3,296
Property taxes (est.): $821
Insurance (est.): $397
Estimated Total Monthly
$4,514
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

History

Price & status history

  • Sep 22, 2026Listed$629,000

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 $266/sq ft; this home is listed at $342/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
97037 Mill Pond Lane, Fernandina Beach, FL 32034Listed by COASTAL HOMES AND LAND LLCJun 2025$470,000$2463/21,914251.3
96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$592,000$2633/2.52,2511111.5
96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$675,000$2984/22,26561.6
95016 Piney Island Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$460,000$2233/2.52,062111.6
96535 Granite Trail, Yulee, FL 32097Listed by FERNANDINA BEACH REALTYJun 2026$479,000$2783/21,722601.7
97236 Pirates Way, Yulee, FL 32097Listed by ATLANTIC SALT REALTYSep 2026$400,000$2663/21,503951.8

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$629,000
Price / Sq Ft$342
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,838
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address96285 Light Wind Drive, Fernandina Beach, FL 32034
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionOyster Bay Harbors
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number46-3N-28-5480-0002-0170

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage
Waterfront TypePond

Interior

AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 22, 2026
Days on Market0
HOA Fees$425 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NON MLS (realMLS)

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

This home sold on Sep 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

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

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