This home is in Fernandina Beach — a gated community home on Amelia Island.
$757,000Sold3 bd · 2.5 ba · 2,512 sq ft
Sold·Closed Oct 28, 2026·31 days on market·Recent sales in Amelia Island
95045 Elderberry Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to 95045 Elderberry Lane, located in the sought-after gated community of The Preserve at Summer Beach. This beautifully maintained 3-bedroom, 2.5-bath townhome offers an inviting blend of comfort, style, and indoor-outdoor living. Step inside to a bright, open floor plan featuring a gourmet kitchen with breakfast nook, separate dining room, and spacious living area ideal for entertaining or relaxing. Just beyond the living room, a large screened lanai and paver patio create a wonderful extension of the living space and a peaceful setting to enjoy the outdoors. The spacious and private primary suite features an ensuite bath with separate vanities, a large tiled shower, generous closet space, and a private balcony. Two additional bedrooms share a convenient Jack-and-Jill bath, providing comfortable accommodations for family and guests. Residents of The Preserve at Summer Beach enjoy a resort-style community pool and beautifully maintained grounds, all conveniently located near go
Next steps in Amelia Island
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.
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Tile — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,771 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.
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.
Closest beach access
Peters Point Beachfront Parkabout 0.5 mi · 180 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 5 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 5 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest grocery store
Harris Teeterabout 0.5 mi · 4800 1st Coast Highway, Fernandina Beach
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.
History
Price & status history
- Oct 29, 2026Closed$765,000
- Sep 29, 2026Pending$765,000
- Sep 25, 2026Listed$765,000
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 $862/sq ft; this home is listed at $301/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4670 Carlton Dunes Drive 3201, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Oct 2026 | $2,625,000 | $862 | 4/4 | 3,046 | 92 | 0.5 |
| 4694 Carlton Dunes Drive 1401, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $2,800,000 | $919 | 4/4 | 3,046 | 178 | 0.5 |
| 4670 Carlton Dunes Drive 3202, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jan 2026 | $3,600,000 | $1,182 | 4/3.5 | 3,046 | 30 | 0.5 |
| 95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Apr 2026 | $840,000 | $394 | 3/2.5 | 2,134 | 74 | 1.2 |
| 95027 Summer Crossing 1402, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Jan 2026 | $880,000 | $408 | 3/3.5 | 2,155 | 61 | 1.2 |
| 95220 Summerwoods Circle 1205, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Dec 2025 | $690,000 | $334 | 3/3 | 2,065 | 32 | 1.2 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER THE AMELIA GROUP
Sold by: COLDWELL BANKER THE AMELIA GROUP (buyer's brokerage)
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
This home sold on Oct 28, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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