Single Family Residence in The Villages Of Marsh Lakes, Fernandina Beach · No CDD on record
The Villages Of Marsh Lakes · Fernandina Beach, FL 32034 · Nassau County
Listing data updated October 10, 2026 at 3:12 AM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
2,003Sq Ft
1999Year Built
$269Per Sq Ft
2-car garageNo CDD on record4 bedrooms
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.
12% below
$/sq ft vs community
$269 here vs $305 median sold (12 mo)
Buyer leverage
Buyer advantage
133 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~7 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, 95259 VILLAGE Drive in The Villages Of Marsh Lakes, Fernandina Beach is listed at $539,500 (2,003 sq ft, about $269 per sq ft). That is 32% below The Villages Of Marsh Lakes's median closed sale of $797,500 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $305/sq ft by about 12%. It has been 133 days on market, longer than the community's typical 42 days to contract. Listing facts: built in 1999, HOA dues of $111/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1999 · 27 yrs
2,003 sq ft of living area
2-car garage
133 days on market
HOA $111/mo (per listing)
School district: Schools Marsh Lakes is in the Nassau County SchoolCommunity built 1990–2002Kitchen 251 · 6 min driveVITAS Healthcare · 6 min driveHoly Grounds Coffee House · 7 min drive
Listing description
About this home
Welcome to sought-after Marsh Lakes, where comfort, versatility, and coastal charm come together. This beautifully maintained, move-in ready home features a desirable floor plan with a first-floor primary suite and an expansive second-floor bonus room complete with a full bath, mini refrigerator, coffee bar, microwave, and private balcony with peaceful marsh and lake views. Perfect as a guest retreat, second primary suite, or mother-in-law suite.
The open-concept layout offers soaring vaulted ceilings and seamlessly connects the kitchen, dining, and living areas. Enjoy beautiful cabinetry, a breakfast bar, and sunny breakfast nook, plus a glass-enclosed sunroom overlooking a private stone courtyard. Offered fully furnished, this home is ideal as a primary residence, second home, or vacation getaway.
Residents enjoy a community pool, tennis and pickleball courts, walking paths, and a stocked pond.
All 41 photos
Description provided by AMELIA ISLAND REAL ESTATE SERVICES 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$539,500
Bed / bath4 / 3
Living area2,003 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
MLS #2148325
Listing status133 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~7 ft
CountyNassau
Area listings3 active · 0 under contract
Estimated first-year tax~$6,500/yr
CDD assessmentNone on record
HOA$111/mo
Calculated estimates
Price per sq ft$269
Estimated monthly payment$3,885
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$797,500
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
$3,885/mo
Principal & interest $2,988/mo77%
Taxes $542/mo14%
Insurance $244/mo6%
HOA $111/mo3%
$3,885/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 $5,150/yr ($429/mo) — taxable value $387,651 × 13.28 mills
$1,350 more each year
(+26%)
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
$38,395
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.
$426,046
Market value
$387,651
Assessed
$387,651
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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$111/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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~7 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 · Marsh Lakes
Pricing & the Marsh Lakes market
How this home is priced against recent nearby sales, and where Marsh Lakes has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Marsh Lakes
Each dot is a closed sale since 2002 (66 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, 2015–2026. This home lists at $269/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Property timeline
This home’s history
1999BuiltPer public record
About May 2026Listed (per MLS)MLS reports 133 cumulative days on market as of October 10, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $569,000
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 $539,500Momentum Realty · on market 133 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
Only 1 closed sale within about 10 miles in Nassau County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Jul 2026
$469,000
93028 HARBOR Court, Fernandina Beach
3 / 2 bd/ba · 1,635 sq ft · $287/sq ft
Courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
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. Only 1 qualifies 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 2,003 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
62/100
Strongest on: Affordability (100), Price vs area (80)
0 limited50100 exceptional
62/100 is solid, mid-pack 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 area80
This home $269/sq ft vs the community 12-month median $305/sq ft.
Affordability100
List price $539,500 vs the community median $797,500. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~7 ft elevation. Verify the parcel with FEMA.
Insurance cost33
From FEMA Zone AE and a 1999 build. Obtain a property-specific quote.
Market liquidity47
Community median 42 days on market, ~6.0 months of supply (12-month record).
Pricing power70
Recent sales closed at about 93.9% of original asking (~6.1% below). More room below asking generally favors buyers.
Coverage: 6 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. 6.0 months of supply in the surrounding market and 133 days on market for this home, against a 42-day area median.Days on market:this home 133Area median: 42 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 $269 per square foot, about 12% below the community’s $305 median. Marsh Lakes’s 12-month median sold price per square foot is $305. Median sold price per square foot is down 14.2% year over year. Confidence: Low · 4 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.
74% of homes in Marsh Lakes are owner-occupied. An estimated 26% are non-owner-occupied, including 14% held in a company or trust and 9% 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), 204 homes matched. Community-level context.
Recent Marsh Lakes sales closed near 93.9% 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: one of only 3 active listings in Marsh Lakes, 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 AMELIA ISLAND REAL ESTATE SERVICES · MLS # 2148325
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Keep looking
Similar homes for sale near The Villages Of Marsh Lakes
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.
Sep 2026 · Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
Why it matters: Added lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 5 miles northwest of Marsh Lakes.
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
Why it matters: New-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is less than a mile north of Marsh Lakes.
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 11 miles west of Marsh Lakes.
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 11 miles west of Marsh Lakes.
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
Emma Love Hardee Elementary SchoolPublic PreK-5 (Nassau County) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina Beach Middle SchoolPublic Middle 6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina Beach High SchoolPublic High 9-12 · Nassau County School District · Grade A (Florida DOE 2025-26)
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
Taqueria El Rincon 10 min
Dining
Kitchen 251 6 min
Shopping
Amelia Plaza 10 min
Parks
Kids can be kids 12 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 95259 VILLAGE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1999 (27 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $111/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 2,003 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 $6,500/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,350 more per year than the current owner’s estimated bill (+26%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
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
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 95259 VILLAGE Drive and when was it built?
Per the listing record, 95259 VILLAGE Drive was built in 1999 and has 2,003 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 95259 VILLAGE Drive in?
95259 VILLAGE Drive is in The Villages Of Marsh Lakes 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 95259 VILLAGE Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $111 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 95259 VILLAGE Drive differ from the current owner's?
The estimate on this page (about $6,500 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,350 more per year than the current owner’s estimated bill (+26%). 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 95259 VILLAGE Drive in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 95259 VILLAGE 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.
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.
