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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 Concourse, Fernandina Beach.

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Active·10 days on market·Amelia Concourse

95137 Gladiolus Place

Fernandina Beach, FL 32034

$379,900$198/sqftEst. $2,071/mo mortgageMLS# 2169924
4
Beds
2
Baths
1,920
Sq Ft
2018
Built
2
Garage
No
Pool

9 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map

FEMA Zone XHOA $10/mo9,148 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Amelia Concourse

Welcome to 95137 Gladiolus Place! This move-in-ready Fernandina Beach gem offers a modern lifestyle on a premium lot backing up to a private wooded preserve. Inside, enjoy a bright, open-concept floor plan with beautiful dark wood-look flooring throughout--zero carpet! The chef's kitchen boasts a massive angled island with breakfast bar seating, espresso cabinetry, and stainless appliances. It overlooks the spacious living room and dining area, where sliding glass doors lead to your covered patio and tranquil backyard. The primary suite is a true retreat, featuring an en-suite bath with a dual-sink vanity, corner soaking tub, and a separate glass-enclosed shower. Highlights include an attached 2-car garage, recessed lighting, and proximity to Amelia Island. Schedule your tour today!

Next steps in Amelia Concourse

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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 · 7.24% · 30yr$2,071
Property taxesest. at asking price, Nassau County$524
HOAbilled annually$10
Estimated total, before insurance$2,606/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

$379,900
$75,980
Loan Term
Monthly Payment
$2,071
Principal & Interest: $2,071
Property taxes (est.): $525
Insurance (est.): $253
Estimated Total Monthly
$2,849
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 D

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

Roof: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,752 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 19, 2026Listed$379,900

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 $198/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.3
95179 Greenberry Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$519,000$2273/22,287620.4
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.6
85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$475,000$2423/2.51,9641370.6
85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$432,000$2143/22,022250.6
95081 Wildwood Circle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTYSep 2026$305,000$2153/21,418840.7

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$379,900
Price / Sq Ft$198
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,920
Acres0.21 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
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

Address95137 Gladiolus Place, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia Concourse
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size9,147.6 sq ft
Parcel Number30-2N-28-0151-0051-0000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePrivate
ParkingGarage

Interior

AppliancesDishwasher, Freezer, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
# of Stories1
LevelsOne

Additional Information

Date ListedOctober 19, 2026
Days on Market10
HOA Fees$120.76 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BRANDYWINE HOMES USA LLC

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 Concourse

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

View all Amelia Concourse 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

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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