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

$419,0003 bd · 2 ba · 1,895 sq ft

Active·3 days on market

96645 Stillpoint Way

Fernandina Beach, FL 32034

$419,000$221/sqftEst. $2,284/mo mortgageMLS# 2172120
↓ $10,000 below original list
3
Beds
2
Baths
1,895
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XHOA $81/mo4,809 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

Fernandina Beach

4.875% Assumable FHA Mortgage! Designed to fit today's lifestyle, this never-lived-in Captiva floor plan offers the perfect blend of comfort, style, and functionality. Situated on a peaceful cul-de-sac with no homes directly in front and located near the community walking trail, this thoughtfully upgraded home backs to a serene preserve view for added privacy and tranquility. A charming front porch welcomes you into a spacious foyer filled with abundant natural light. The open-concept living area is anchored by a chef's kitchen featuring quartz countertops, a large center island, 42-inch upper cabinets, corner pantry, and upgraded finishes throughout... perfect for entertaining or everyday living. The kitchen overlooks the dining area and spacious great room with access to the large screened-in covered porch, creating seamless indoor-outdoor living. The private owner's suite is a true retreat with elegant tray ceilings, a spacious walk-in closet, and a luxurious en-suite bath complete

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$2,284
Property taxesest. at asking price, Nassau County$578
HOAbilled annually$81
Estimated total, before insurance$2,944/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,253/yr · $104/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$419,000
$83,800
Loan Term
Monthly Payment
$2,284
Principal & Interest: $2,284
Property taxes (est.): $578
Insurance (est.): $279
Estimated Total Monthly
$3,142
*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 (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 2025)

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

Solar potential: ~1,765 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 November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$85,000$85,000—
2024$13,846$13,846—

2025 property taxes (current owner): $1,253/yr

Estimated taxes if purchased at asking price: ~$6,900/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 (2025), NEFMLS.

History

Price & status history

  • Nov 6, 2026Price change$419,000−$10,000
  • Nov 3, 2026Listed$429,000

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 $193/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95967 Surrey Place, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPOct 2026$425,000$1784/32,388220.1
95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$1934/2.52,28590.1
95057 Terri'S Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYOct 2026$393,000$1774/2.52,225890.2
95238 Katherine Street, Fernandina Beach, FL 32034Listed by 1 PERCENT LISTS FIRST COASTAug 2026$404,000$1684/32,407720.3
95161 Lock Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2026$408,000$2153/21,895890.3
97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$405,000$2273/21,787890.4

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

Price$419,000
Price / Sq Ft$221
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,895
Acres0.11 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Other
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address96645 Stillpoint Way, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionConcourse Crossing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size4,809.02 sq ft
Parcel Number29-2N-28-0331-0061-0000
ZoningPUD

Amenities

AmenitiesJogging Path
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedNovember 3, 2026
Days on Market3
HOA Fees$970 / Annually
HOA FrequencyAnnually
HOA NameConcourse Crossing HOA
Tax Amount$1,252.7
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

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.

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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