This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·1 day on market
96042 Stoney Creek Parkway 903
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Looking to Simplify Life? This Is the Spot....No mowing, no stairs to climb, just easy, LOW MAINTENANCE LIVING all on one level. This ground-floor 2-bed/2-bath condo in the gated community of Stoney Creek is near the end of the main road & ready to make life a little simpler. Inside, you'll find a MODERN KITCHEN that's beautiful, featuring 42'' solid cabinets, gorgeous countertops & pantry for all your storage needs. There's a cozy breakfast nook for casual mornings, plus plenty of bar seating if you'd rather grab a quick bite or chat with whoever's cooking. The dining area flows right into the living room, creating that OPEN*EASY*LIVING*FEEL. All the appliances are included even washer & dryer. Tile floors run through the kitchen and bathrooms for easy care, while carpet in the living areas and bedrooms. The SPLIT FLOOR PLAN gives you the best of both worlds, with the primary and second bedroom separated from one another. Here's a little bonus most condos can't offer - a 1-car garage
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,712 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$269,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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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Your Local Realtor
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines