164 days on market (MLS)Townhouse▼ Price cut: $12,600 (9/26)
$685,900
3-Bedroom Golf-Course Home in Amelia National
94028 Hemlock Court, Fernandina Beach, FL 32034
Townhouse in Amelia National, Fernandina Beach · No CDD on record · Built 2023
Amelia National · Fernandina Beach, FL 32034 · Nassau County
Listing data updated October 10, 2026 at 3:01 AM ET · checked against the MLS hourly
3Bedrooms
3.5Bathrooms
2,535Sq Ft
2023Year Built
$271Per Sq Ft
3-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
8% below
$/sq ft vs community
$271 here vs $294 median sold (12 mo)
Buyer leverage
Buyer advantage
164 days on market
4.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~28 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 10, 2026, 94028 HEMLOCK Court in Amelia National, Fernandina Beach is listed at $685,900 (2,535 sq ft, about $271 per sq ft). That sits within a few percent of Amelia National's median closed sale of $772,500 over the last 12 months (38 recorded sales). It has been 164 days on market, longer than the community's typical 47 days to contract. Listing facts: built in 2023, HOA dues of $75/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
2,535 sq ft of living area
3-car garage
164 days on market
HOA $75/mo (per listing)
Golf course communitySchool district: Schools Amelia National is served by the Nassau County SchoolCommunity built 2005–2026Yummy Sushi · 6 min driveEllianos Coffee · 6 min driveWinn Dixie · 7 min drive
Listing description
About this home
Welcome to like-new luxury living in Amelia National Golf & Country Club! Built in 2023, this 3BR/3.5BA townhome features spacious bedrooms with private ensuite baths plus a first-floor guest bath. Enjoy an open layout with LVP flooring, stone countertops, and stainless appliances--truly move-in ready.
Golf lovers will appreciate the newly renovated Tom Fazio-designed championship course, recently reopened after a multi-million dollar transformation. A separate golf cart garage adds convenience. Sellers are offering exceptional value by paying off the buyer's CDD balance AND covering the $45,000 golf membership initiation fee.
Don't miss this opportunity to own in one of Nassau County's premier golf communities!
All 38 photos
Description provided by COASTAL REALTY JAX and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$685,900
Bed / bath3 / 3.5
Living area2,535 sq ft
Year built2023
Property typeTownhouse
Garage3-car
MLS #2142379
Listing status164 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~28 ft
CountyNassau
Area listings13 active · 14 under contract
Estimated first-year tax~$8,450/yr
CDD assessmentNone on record
HOA$75/mo
Calculated estimates
Price per sq ft$271
Estimated monthly payment$4,773
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$772,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$4,773/mo
Principal & interest $3,799/mo80%
Taxes $704/mo15%
Insurance $194/mo4%
HOA $75/mo2%
$4,773/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Nassau County rate (13.28 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $6,000/yr ($500/mo) — taxable value $452,372 × 13.28 mills
$2,450 more each year
(+41%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$30,853
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$483,225
Market value
$452,372
Assessed
$452,372
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$75/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~28 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Amelia National
Pricing & the Amelia National market
How this home is priced against recent nearby sales, and where Amelia National has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Amelia National
Each dot is a closed sale since 2006 (543 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $271/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 19 (cold).
Property timeline
This home’s history
2023BuiltPer public record
About Apr 2026Listed (per MLS)MLS reports 164 cumulative days on market as of October 10, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $698,500
Sep 26, 2026Price cut$685,900 (-$12,600, -1.8%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $685,900Momentum Realty · on market 164 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Nassau County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Amelia National. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Nassau County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 2,535 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Scores
Momentum Property Score
73/100
Strongest on: Flood safety (95), Market timing (81)
0 limited50100 exceptional
73/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area70
This home $271/sq ft vs the community 12-month median $294/sq ft.
Affordability69
List price $685,900 vs the community median $772,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~28 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity55
Community median 47 days on market, ~4.3 months of supply (12-month record).
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Market timing81
Momentum Market Heat is 19/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4.3 months of supply in the surrounding market and 164 days on market for this home, against a 47-day area median.Days on market:this home 164Area median: 47 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 8, 2026.
🟡 Asking $271 per square foot, about 8% below the community’s $294 median. Amelia National’s 12-month median sold price per square foot is $294. Median sold price per square foot is down 9.4% year over year. Confidence: Very High · 38 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
58% of homes in Amelia National are owner-occupied. An estimated 42% are non-owner-occupied, including 28% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 270 homes matched. Community-level context.
Recent Amelia National sales closed near 95.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 8, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 13 active listings in Amelia National, no CDD assessment.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by COASTAL REALTY JAX · MLS # 2142379
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Keep looking
Similar homes for sale near Amelia National
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jan 2026 · Parks Amenities
Amelia National completes $15 million Tom Fazio golf course renovation
ICI Homes announced that the renovation of the Tom Fazio designed course at Amelia National Golf and Country Club is finished, with the course reopening for play in November 2025 after re-grassing by Fazio Design. The roughly $15 million project added new Bermuda grass on fairways and greens, reshaped bunkers, restored greens to original sizes, and funded a new golf maintenance facility now under construction. The course remains the centerpiece amenity of the gated community off State Road 200 in Fernandina Beach.
Why it matters: A freshly renovated signature golf amenity may strengthen the appeal of homesites with course views, though buyers should confirm current membership and club terms directly.
Wildlight Garden District and other Nassau County projects advance
A regional update reported that the Wildlight master-planned community in Yulee is moving its new Garden District forward, with about 4,100 homes planned at full build-out on a 4,700 acre site that includes 2,000 acres of conservation land. The report also noted a Community First Credit Union branch under review near Crosstown Avenue and Florida 200, plus continued commercial activity along the State Road 200 corridor west of Interstate 95.
Why it matters: Sustained large-scale growth in the nearby Yulee corridor could continue to expand shopping, services, and road demand that historically influence outlying Fernandina Beach communities like Amelia National.
Wildlight names first four homebuilders for Garden District in Yulee
The Wildlight community named Ashton Woods, David Weekley Homes, Perry Homes, and Toll Brothers as the first builders for its new Garden District in Yulee, off Riverbluff Parkway about nine miles east of Interstate 95. The first neighborhood, Bellflower, will offer homes on 50, 60, and 70 foot lots, with first model homes expected to open in mid 2026. The district also reserves land for a county park and a future elementary school.
Why it matters: More national builders entering the broader Nassau County market may add new-construction competition that operators could weigh when positioning resale and new homes nearby.
Walmart-sized retail anchor proposed for Shoppes at Yulee off Florida 200
Plans were filed for the Shoppes at Yulee, a nearly 30-acre center proposed off Florida 200 just west of Interstate 95 and anchored by a roughly 175,360 square foot retail store with four outparcels and 701 parking spaces. Gatlin Development Co., a longtime Walmart developer, is working on the project, which still needs a rezoning and a comprehensive plan amendment to move forward.
Why it matters: A large new shopping anchor along the State Road 200 corridor could expand retail options reachable from Amelia National, though the project still faces county approvals.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
YuleeAssigned elementary school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
YuleeAssigned middle school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
YuleeAssigned high school · Nassau County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn Dixie 7 min
Dining
Yummy Sushi 6 min
Shopping
Villages of Amelia 7 min
Parks
Kids can be kids 15 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 94028 HEMLOCK Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $75/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,535 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $8,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,450 more per year than the current owner’s estimated bill (+41%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Nassau County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 94028 HEMLOCK Court and when was it built?
Per the listing record, 94028 HEMLOCK Court was built in 2023 and has 2,535 sq ft of living area, 3 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 94028 HEMLOCK Court in?
94028 HEMLOCK Court is in Amelia National in Fernandina Beach, Nassau County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 94028 HEMLOCK Court have an HOA, and how much are the dues?
The listing reports HOA dues of $75 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 94028 HEMLOCK Court differ from the current owner's?
The estimate on this page (about $8,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,450 more per year than the current owner’s estimated bill (+41%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 94028 HEMLOCK Court in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 94028 HEMLOCK Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
