This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·Listed today
96075 High Pointe Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
UPDATES GALORE! Stop scrolling and step inside this stunning all-brick estate situated on over an acre in the secure, gated community of High Pointe on Amelia Island. This property offers unmatched space, privacy, and peace of mind with major mechanicals already handled: a NEW ROOF (July 2025) and replaced A/C units (2026, 2025, 2023). The highly functional, open-concept interior revolves around a gorgeous 2026 KITCHEN REMODEL featuring sweeping Quartzite countertops, pristine stainless steel appliances, custom backsplash, and new hardware. Designed for entertaining, the main floor boasts lofty 10-foot ceilings, elegant crown molding, and energy-efficient spray foam insulation. The layout flows seamlessly through the dining room, living and family rooms, and a bright breakfast nook. All four generous bedrooms are conveniently located on the main floor, including a versatile 4th bedroom ideal for a large home office. The primary retreat features a dramatic tray ceiling, massive dual
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 (that applies to the reference bill above too).
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.
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 — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,651 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $823,638 | $389,393 | — |
| 2024 | $798,181 | $377,711 | — |
| 2023 | $690,432 | $365,253 | — |
| 2022 | $536,182 | $353,158 | — |
| 2021 | $468,569 | $341,416 | — |
| 2020 | $426,178 | $336,012 | — |
2025 property taxes (current owner): $6,137/yr
Estimated taxes if purchased at asking price: ~$15,300/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 (2025), NEFMLS.
History
Price & status history
- Sep 27, 2026Listed$925,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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
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
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