Active·15 days on market
95222 Dwight Drive
Fernandina Beach, FL 32034
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
SHORT*SALE* ALERT* Welcome home to this WARM AND INVITING 1994-built home, full of CHARACTER and set on a spacious ONE-ACRE LOT in the highly sought-after FERNANDINA BEACH SCHOOL DISTRICT -- part of Nassau County Schools, RATED #1 IN THE STATE! Thanks to a QUAINT FRONT ADDITION, this home doesn't look like your typical mobile home at all -- it has the CURB APPEAL AND PERSONALITY of a traditional house, with a warm, welcoming feel from the moment you arrive. Enjoy your morning coffee on the inviting FRONT SITTING AREA, the perfect spot to start the day. Inside, the kitchen features an UPDATED SINK and flows openly into the DINING AREA-- ideal for entertaining or everyday living. The LARGE PRIMARY SUITE offers a comfortable retreat, and a versatile BONUS ROOM provides flexibility as a third bedroom, home office, or den.The property is ALMOST ENTIRELY FENCED, with just a small section left open -- great news for pet owners and All who want room to roam. A BACKYARD SHED adds extra storage
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Metal — year not disclosed (home built 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,519 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 homeAs 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 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.
History
Price & status history
- Sep 25, 2026Listed$250,000
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 $215/sq ft; this home is listed at $147/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95081 Wildwood Circle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTY | Sep 2026 | $305,000 | $215 | 3/2 | 1,418 | 84 | 0.3 |
| 95114 Gentry Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $216,500 | $133 | 3/2 | 1,624 | 23 | 0.3 |
| 95422 Plum Loop, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $290,000 | $157 | 3/2 | 1,848 | 63 | 0.4 |
| 85002 Williston Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $458,000 | $230 | 3/2.5 | 1,987 | 133 | 0.6 |
| 85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $475,000 | $242 | 3/2.5 | 1,964 | 137 | 0.7 |
| 85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2026 | $432,000 | $214 | 3/2 | 2,022 | 25 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines