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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Amelia National, Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·3 days on market·Amelia National

95117 Poplar Way

Fernandina Beach, FL 32034

$624,999$253/sqftEst. $3,462/mo mortgageMLS# 2169496
4
Beds
3
Baths
2,472
Sq Ft
2019
Built
3
Garage
No
Pool

30 more homes for sale in Amelia National →Search Amelia National on the map

FEMA Zone XHOA $75/mo10,890 sqft lotSingle Family Residence1 story

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About this home

Amelia National

Experience the perfect Florida lifestyle in this beautifully upgraded home in the exclusive, Guard-Gated Community, Amelia National Golf & Country Club! A stunning outdoor retreat awaits with a freshly renovated, fenced backyard w/ beautiful gardens/palms and a paver walkway. In addition to an expansive screened enclosure, and oversized swim spa/hot tub - perfect for entertaining guests or unwinding in your own private oasis. Inside, soaring ceilings and an open-concept floor plan create an inviting atmosphere, complemented by an upgraded kitchen with stainless steel appliances, quartz countertops, custom backsplash, gas stove and an extended breakfast bar. This home also features a formal dining room, breakfast nook area and a dedicated office/den with the flexibility to serve as an additional bedroom. You'll love this spacious 3-car garage with upgraded flooring, lighting and plenty of storage space! Other highlights include a gas water heater, gas hook-up for grill

Next steps in Amelia National

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,462
Property taxesest. at asking price, Nassau County$863
HOAbilled annually$75
Estimated total, before insurance$4,400/mo
  • • 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

$624,999
$125,000
Loan Term
Monthly Payment
$3,462
Principal & Interest: $3,462
Property taxes (est.): $863
Insurance (est.): $417
Estimated Total Monthly
$4,741
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,746 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 home

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 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

History

Price & status history

  • Oct 15, 2026Listed$624,999

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 $227/sq ft; this home is listed at $253/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.1
95134 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$535,000$1943/32,7601530.4
95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$410,000$1604/2.52,566430.5
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.6
97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$405,000$2273/21,787890.6
95308 Bentgrass Court, Fernandina Beach, FL 32034Listed by ICI SELECT REALTY, INC.Aug 2026$1,062,491$3444/33,086480.6

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.

Features

Price$624,999
Price / Sq Ft$253
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,472
Acres0.25 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address95117 Poplar Way, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia National
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,890 sq ft
Parcel Number26-2N-28-006A-0195-0000

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Gated, Golf Course, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesRestaurant, Gated
UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Gas Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
SecurityGated with Guard
Spa FeaturesAbove Ground

Exterior

Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchFront Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFrame

Additional Information

Date ListedOctober 16, 2026
Days on Market2
HOA Fees$899 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Amelia National

Amelia National is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Amelia National homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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