$749,0004 bd · 3 ba · 3,154 sq ft
Active·45 days on market
96067 Oak Canopy Lane
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
SELLER FINANCING POSSIBLE! Set beneath beautiful old oak trees, this quality-built home features CONCRETE BLOCK CONSTRUCTION and 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.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
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.
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 31, S Fletcher Ave. & Hutchins Ave.about 4 mi · 12 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 5 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 2 mi · 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:50 AM, sunset 5:31 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $643,756 | $643,756 | — |
| 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: ~$12,000/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$749,000
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 $298/sq ft; this home is listed at $237/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96367 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by GAILEY ENTERPRISES LLC | Sep 2026 | $780,000 | $249 | 4/3 | 3,131 | 16 | 0.2 |
| 92648 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $665,000 | $209 | 5/4 | 3,178 | 94 | 0.2 |
| 92503 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jul 2026 | $695,000 | $236 | 4/3.5 | 2,950 | 44 | 0.2 |
| 96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $675,000 | $298 | 4/2 | 2,265 | 6 | 0.3 |
| 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 | 0.5 |
| 96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTY | Jul 2026 | $1,310,000 | $355 | 6/5 | 3,687 | 5 | 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: 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
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