This home is in High Pointe, Fernandina Beach — a gated community home on Amelia Island.
$925,0005 bd · 3 ba · 3,586 sq ft
Active·45 days on market·High Pointe
96075 High Pointe Drive
Fernandina Beach, FL 32034
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About this home
High Pointe
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
Next steps in High Pointe
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.
Mostly Zone X (shaded): 97% of this 1-acre lot is outside FEMA's high-risk flood zones
A small edge touches Zone AE (3%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.
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: Shingle — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
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.
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 parking
Beach access 28, S Fletcher Ave. & N Casino Ave.16 min drive · 11 parking spaces
Closest park or preserve
Egans Creek Greenway19 min drive · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 4 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest grocery store
Walmart Supercenter7 min drive · 464016 State Road 200, Yulee
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $823,991 | $400,587 | — |
| 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: ~$14,900/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), 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.
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 $249/sq ft; this home is listed at $258/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Jul 2026 | $1,498,000 | $386 | 5/3.5 | 3,885 | 25 | 0.4 |
| 96367 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by GAILEY ENTERPRISES LLC | Sep 2026 | $780,000 | $249 | 4/3 | 3,131 | 16 | 0.6 |
| 92648 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $665,000 | $209 | 5/4 | 3,178 | 94 | 0.6 |
| 92503 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jul 2026 | $695,000 | $236 | 4/3.5 | 2,950 | 44 | 0.6 |
| 96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTY | Jul 2026 | $1,310,000 | $355 | 6/5 | 3,687 | 5 | 0.8 |
| 92954 Cheltenham Lane, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jun 2026 | $685,000 | $214 | 5/4 | 3,207 | 0 | 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.
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: 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.
The neighborhood
About High Pointe
High Pointe is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
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Northeast Florida living
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