This home is in Fernandina Beach — a waterfront home in Nassau County.
Active·Listed today
96109 Ocean Breeze Drive
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
Located a mile from the Atlantic Ocean, this single-story 2015 pool home backing onto a pond in Ocean Breeze at Amelia pairs easy one-level living with the outdoor Florida lifestyle that draws so many to Amelia Island. A stacked-stone entry and double glass doors open to 2,512 square feet with 3 bedrooms, 3.5 baths, where 12-foot ceilings and transom windows fill every room with natural light. A formal dining room with wainscoting sits off the foyer, and a private home office with glass pocket doors and built-in bookshelves offers a quiet place to work. The open kitchen features a large island with farmhouse sink, double wall ovens, a gas range updated in October 2026, a beverage refrigerator and generous cabinet and counter space, all open to the family room. Each of the three bedrooms has its own private en-suite bath, the primary suite adds dual vanities, a soaking tub and walk-in shower, and a powder room off the kitchen serves guests. Out back, the covered lanai opens to one of
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,809 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 homeThis 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 28, S Fletcher Ave. & N Casino Ave.4 min drive · 11 parking spaces
Closest park or preserve
Egans Creek Greenway7 min drive · 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 grocery store
Publix2 min drive · 1421 Sadler Rd, Fernandina Beach
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
2025 property taxes (current owner): $6,885/yr
Estimated taxes if purchased at asking price: ~$17,800/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 29, 2026Listed$1,075,000
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 $319/sq ft; this home is listed at $428/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96260 Ocean Breeze Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $810,000 | $319 | 3/2 | 2,536 | 13 | 0.3 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 0.3 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.3 |
| 828 Simmons Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Apr 2026 | $765,000 | $359 | 3/2 | 2,128 | 14 | 0.5 |
| 3110 Egans Bluff Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $645,000 | $249 | 3/2 | 2,590 | 39 | 0.6 |
| 2972 Ferdinand Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $885,000 | $316 | 5/3 | 2,797 | 51 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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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