$966,9904 bd · 4.5 ba · 3,923 sq ft
Active·46 days on market
95340 Shumard Oak Drive
Fernandina Beach, FL 32034
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About this home
Fernandina Beach
4 BR/4.5 BA on Large Home Site in Fernandina Beach, FL. Welcome to the Jameson II, a stunning two-story home offering nearly 4,000 square feet of thoughtfully designed living space. At the heart of the home is an expansive open-concept layout that seamlessly connects the gourmet kitchen, family room, dining area and sunroom, making it ideal for both everyday living and entertaining. The designer kitchen features a large center island, generous pantry and premium finishes. The private first-floor primary suite serves as a luxurious retreat, complete with a spa-inspired bath, freestanding soaking tub, oversized walk-in shower and spacious walk-in closet. A dedicated home office offers the perfect work-from-home space, while an additional first-floor bedroom provides flexibility for guests or multigenerational living Additional highlights include 10-foot first-floor ceilings, elegant 8-foot interior doors, a bright sunroo and a spacious 3-car garage. Every detail of this home has been car
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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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: material not specified — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,410 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
As of October 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
Scott Road Beach Accessabout 4 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 6 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 2 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Walmart Supercenterabout 3 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.
Cost to own
Taxes & assessment
Last sold: $3,888,200 in February 2026(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $112,000 | $112,000 | ▼ $28,000 |
Estimated taxes if purchased at asking price: ~$15,500/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 30, 2026Listed$966,990
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 $194/sq ft; this home is listed at $246/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95464 Wilder Boulevard, Fernandina Beach, FL 32034Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Mar 2026 | $1,725,000 | $622 | 3/3 | 2,775 | 96 | 0.7 |
| 97159 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Apr 2026 | $418,000 | $141 | 5/3.5 | 2,962 | 162 | 0.8 |
| 95214 Katherine Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Apr 2026 | $555,000 | $174 | 6/4 | 3,198 | 116 | 0.9 |
| 95134 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Oct 2026 | $535,000 | $194 | 3/3 | 2,760 | 153 | 1.4 |
| 95164 Poplar Way, Fernandina Beach, FL 32034Listed by EDGEWATER REALTY LLC | Jun 2026 | $739,000 | $221 | 5/3.5 | 3,347 | 90 | 1.4 |
| 96006 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLC | May 2026 | $510,000 | $168 | 5/3.5 | 3,037 | 65 | 1.4 |
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
Additional Information
Listing Courtesy of: DREES 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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