This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·Listed today
96067 Oak Canopy Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
SELLER FINANCING POSSIBLE! Set beneath beautiful old oak trees, this quality-constructed home sits on an oversized lot in a gated Fernandina Beach community, zoned for Florida's No. 1 school district. Featuring 12 ft ceilings, 4 bedrooms, 3 baths, a private office, and 3-car garage, the unique floor plan offers over 3,100 sq ft with exceptionally large rooms and a peaceful feel throughout. Formal living and dining rooms, an oversized family room, and screened porch make entertaining effortless. The spacious primary suite includes a sitting area and spa-style bath. Triple insulation provides maximum efficiency, with electric bills averaging around $100/month. Recent updates include a 2020 roof and newer HVAC. Convenient to beaches, shopping, and dining. Ask about available seller financing options!
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.
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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,758 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 | $625,754 | $625,754 | — |
| 2024 | $562,669 | $512,669 | — |
| 2023 | $605,237 | $555,237 | — |
| 2022 | $526,401 | $257,448 | — |
| 2021 | $360,660 | $248,493 | — |
| 2020 | $325,799 | $244,372 | — |
2023 property taxes (current owner): $9,024/yr
Estimated taxes if purchased at asking price: ~$12,400/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$749,000
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: SUMMER HOUSE 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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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