Active·1 day on market
96015 Monterey Street
Fernandina Beach, FL 32034
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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.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Imagine marsh mornings, coastal birds, dolphins in the distance, and sunset skies painted pink. Tucked at the end of a quiet road, this 1.32-acre retreat offers privacy and waterfront charm. Inside, soaring ceilings, a stacked stone fireplace, and expansive windows fill the two-story great room with light and marsh views. An open kitchen and dining area, sunroom, two main-level bedrooms, hall bath, mudroom, and two-car garage add convenience. Upstairs, the primary suite opens to a scenic deck. Enjoy fishing, kayaking, paddleboarding, and wildlife from your backyard. A tidal creek dock, covered boat storage, shed, and walk-in attic add versatility. With great bones and room for your vision, the setting is already here. The possibilities are yours. Waterfront access is tidal. Boating from the existing dock would require a boat lift. Buyers should verify water depths, navigability, tidal conditions, and permitting for a lift or intended waterfront use.
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 (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 — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,424 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.
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, league fields and grocery store from this home's location.
Closest beach parking
Beach access 31, S Fletcher Ave. & Hutchins Ave.about 5 mi · 12 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 6 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 1 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
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:35 AM, sunset 6:46 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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
2025 property taxes (current owner): $4,038/yr
Estimated taxes if purchased at asking price: ~$11,200/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 22, 2026Listed$675,000
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 $223/sq ft; this home is listed at $384/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $675,000 | $298 | 4/2 | 2,265 | 6 | 0.6 |
| 96398 Commodore Point Drive, Yulee, FL 32097Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $415,000 | $234 | 4/2 | 1,770 | 36 | 1.1 |
| 97564 Albatross Drive, Yulee, FL 32097Listed by SHRIMP CAPITAL REALTY | Aug 2026 | $368,000 | $184 | 4/2 | 1,997 | 235 | 1.1 |
| 96077 Out Creek Way, Yulee, FL 32097Listed by DIAMOND REALTY GROUP OF AMELIA ISLAND | Aug 2026 | $335,000 | $223 | 3/2 | 1,504 | 12 | 1.1 |
| 96034 Bass Lane, Yulee, FL 32097Listed by PREMIER COASTAL PROPERTIES, LLC | Jul 2026 | $315,000 | $202 | 3/2 | 1,557 | 53 | 1.1 |
| 94011 Last Lane, Yulee, FL 32097Listed by ENTERA REALTY LLC | Sep 2026 | $299,900 | $198 | 4/2 | 1,514 | 55 | 1.2 |
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: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
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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