FEMA Zone X — flood insurance generally not federally required
Built 2023 · 3 yrs
$268/sq ft — below the area median of $286
426 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$670,000
List price
As listed in the MLS
4 / 3
Bed / bath
Per the listing
2,496
Living area
Sq ft (approx.)
$268
Price / sq ft
List ÷ living area
The home
Year built2023
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$6,298/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Listing description
About this home
MAJOR price improvement! Instant equity. CDD fee paid in FULL! Why wait for the builder? 30K+ in upgrades- Experience luxurious resort-style living year-round in the prestigious gated golf country club Amelia National. The Costa Mesa is one of ICI's most sought after floor plans ...
Description provided by JASON MITCHELL REAL ESTATE FLORIDA, LLC. and reproduced from the MLS; not independently verified.
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$4,259
Principal & interest$3,494
Property tax$525
Insurance$190
CDD assessment$0
HOA$50
PMI$0
Down payment $134,000 · Loan $536,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$6,298/yr
The seller likely pays less due to the homestead cap. At a $670,000 purchase, expect your first full-year Nassau bill near $6,298 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$2,279/yr
Estimate for a 2023 build in Nassau. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Amelia National
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Amelia National neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$726,160
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$286
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$268
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Amelia National
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.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $646,464 – $1,218,048
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. That’s the whole point: look how wide it is.
$646,464the mess$1,218,048
A 88% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or dated interior can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 426 days on market vs. a ~88-day neighborhood median
17 active listings competing in Amelia National
8 under contract now
32% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.47 (higher = faster-selling demand)
≈4.5 months of supply (under ~4 favors sellers, over ~6 favors buyers)
9 new-construction homes competing
45 closed here in the last 12 months
For reference, this home is listed at $670,000 ($268/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,496 sq ft × $259–$488/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
In the area
Recent Amelia National news
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.
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.
Yulee Primary SchoolPK-2 · Nassau County School District
Yulee Elementary School3-5 · Nassau County School District
Yulee Middle School6-8 · Nassau County School District
Yulee High School9-12 · Nassau County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$715,000
95450 WILD CHERRY Drive, Fernandina Beach
4 / 3 bd/ba · 2,521 sq ft · $284/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold Mar 2026
$732,420
95452 GOLDEN GLOW Drive, Fernandina Beach
4 / 3 bd/ba · 2,537 sq ft · $289/sq ft
Courtesy of ICI SELECT REALTY, INC. · View details →
Sold Jun 2026
$662,122
95463 GOLDEN GLOW Drive, Fernandina Beach
4 / 3 bd/ba · 2,552 sq ft · $259/sq ft
Courtesy of RICK WOOD & ASSOCIATES INC · View details →
Sold Jun 2026
$1,301,160
95410 WILD CHERRY Drive, Fernandina Beach
3 / 3 bd/ba · 2,665 sq ft · $488/sq ft
Courtesy of ICI SELECT REALTY, INC. · View details →
Sold Jun 2026
$863,284
95367 GOLDEN GLOW Drive, Fernandina Beach
3 / 3 bd/ba · 2,677 sq ft · $322/sq ft
Courtesy of ICI SELECT REALTY, INC. · View details →
Sold May 2026
$719,900
95502 GOLDEN GLOW Drive, Fernandina Beach
4 / 3 bd/ba · 2,736 sq ft · $263/sq ft
Courtesy of RICK WOOD & ASSOCIATES INC · View details →
Median of the set: $286/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms3
Living area2,496 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2023
Age3 yrs
Listing
MLS #2080998
StatusActive
Days on market426
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $670,000Momentum Realty · on market 426 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 95214 GOLDEN GLOW Drive 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.
Momentum Realty · licensed in FL & GA
Listing agent
Listed by
JASON MITCHELL REAL ESTATE FLORIDA, LLC.
Listing courtesy of JASON MITCHELL REAL ESTATE FLORIDA, LLC.. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
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 a typical county millage rate to the list price 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.
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.
