This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·Listed today
96046 Montego Bay
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
Live the best of coastal Amelia Island living with golf, beach days, and downtown just minutes away! This beautifully maintained 4-bedroom home at 96046 Montego Bay is ideally located near three incredible golf courses, Amelia Island's beaches, and historic downtown Fernandina Beach—easily accessible by golf cart. Enjoy peaceful lake and wooded views from the extended back porch and expanded paver patio. Inside, thoughtful custom details include kitchen cabinetry with pull-out shelving, added laundry storage, and custom built-ins surrounding the propane fireplace in the den, complete with marble tile and a custom mantle. Additional highlights include custom foyer columns, widened baseboards, a tray ceiling in the primary suite, and a widened paver driveway. The home also conveys with two refrigerators, an upright deep freezer, and a water softener. A wonderful opportunity to enjoy easy one-story living with four bedrooms in an unbeatable Amelia Island location.
Next steps in Amelia Island
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.
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,749 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 homeAs 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 and league fields from this home's location.
Closest beach parking
Beach access 27, S Fletcher Ave. & Allen St.about 0.9 mi · 8 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 3 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 3 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 13 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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
2025 property taxes (current owner): $4,199/yr
Estimated taxes if purchased at asking price: ~$14,100/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, NEFMLS.
History
Price & status history
- Oct 17, 2026Active$849,000
- Oct 7, 2026Listed$849,000
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 $354/sq ft; this home is listed at $375/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $575,000 | $349 | 3/2 | 1,649 | 101 | 0.1 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.1 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 0.3 |
| 2816 Bob White Lane, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jul 2026 | $670,000 | $419 | 3/2 | 1,600 | 41 | 0.3 |
| 1506 Coventry Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2026 | $610,000 | $354 | 3/2 | 1,722 | 3 | 0.3 |
| 1457 Holly Drive, Fernandina Beach, FL 32034Listed by MILITARY REALTY OF FLORIDA | Apr 2026 | $674,900 | $305 | 4/3 | 2,212 | 19 | 0.4 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH 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
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