Single Family Residence in Oyster Bay Harbours, Fernandina Beach · No CDD
Oyster Bay Harbours · Fernandina Beach, FL 32034 · Nassau
Listing data updated July 23, 2026 · refreshed twice daily
4Bedrooms
4Bathrooms
2,957Sq Ft
1994Year Built
$347Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
5% below
$/sq ft vs community
$347 here vs $367 median sold (12 mo)
Buyer leverage
Buyer advantage
40 days on market
9.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $1,025,000 — recent neighborhood median sale price ~$1,138,861 (nearby sales; deemed reliable, not an appraisal)
40 days on market
HOA ~$50/mo (estimate; confirm)
School district: Highlights 2 mi To the Atlantic Schools Nassau County SchoolsCommunity built 1998–2025Villages of Amelia · 8 min drivePublix · 9 min driveVITAS Healthcare · 10 min drive
Momentum Research · Oyster Bay Harbors
Pricing & the Oyster Bay Harbors market
How this home is priced against recent nearby sales, and where Oyster Bay Harbors 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 Oyster Bay Harbors
Each dot is a closed sale since 2003 (71 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, 2019–2026. This home lists at $347/sq ft.
Median sale price by year
12-month median closed price, 2019–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2019–2026. Now 49 (normal).
Property timeline
This home’s history
1994BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$6,545/mo
Principal & interest $5,194/mo79%
Taxes $803/mo12%
Insurance $499/mo8%
HOA $50/mo1%
$6,545/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Affordability (67)
0 limited50100 exceptional
58/100 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 area64
This home $347/sq ft vs the community 12-month median $367/sq ft.
Affordability67
List price $1,025,000 vs the community median $1,138,861. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost65
From FEMA Zone X and a 1994 build. Obtain a property-specific quote.
Market liquidity30
Community median 63 days on market, ~9.6 months of supply (12-month record).
Renovation upside56
From a 1994 build and $347/sq ft vs the community median $367/sq ft. Not a condition assessment.
Buyer competition33
67% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power62
Recent sales closed at about 95.6% of original asking (~4.4% below). More room below asking generally favors buyers.
Market timing51
Momentum Market Heat is 49/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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. 9.6 months of supply in the surrounding market and 40 days on market for this home, against a 63-day area median.Days on market:this home 40Area median: 63 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 July 15, 2026.
🟡 Asking $347 per square foot, about 5% below the community’s $367 median. Oyster Bay Harbors’s 12-month median sold price per square foot is $367. Median sold price per square foot is up 18.9% year over year. Confidence: Low · 7 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.
72% of homes in Oyster Bay Harbors are owner-occupied. An estimated 28% are non-owner-occupied, including 21% 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), 286 homes matched. Community-level context.
Recent Oyster Bay Harbors sales closed near 95.6% of original asking. Cash paid for about 67% of recent closings here.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 July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Oyster Bay Harbors, no CDD assessment.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Don't miss this Cape Cod charmer in gated Lanceford Creek Plantation at Oyster Bay Harbour! Back on the market with $30,000 in improvements, including a complete interior repaint. Originally built by Harry Trevett and renovated by Cole Builders in 2015, this home features an open floor plan, new windows, siding, doors, and a vaulted screened porch.
The main-level primary suite is joined by two upstairs bedrooms plus a bonus room/4th bedroom with full bath. Quality finishes include hardwood floors, vaulted ceilings, granite countertops, crown molding, plantation shutters, and stainless appliances. Situated on one of the largest interior lots (over ¾ acre), there's room for a pool, carriage house, or detached garage.
Enjoy Lanceford Creek views, a fire pit, fenced dog area, irrigation, termite bond, and optional Oyster Bay Yacht Club membership. Just 15 minutes to Amelia Island beaches and Fernandina Beach schools.
Description provided by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
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$1,025,000
Bed / bath4 / 4
Living area2,957 sq ft
Year built1994
Property typeSingle Family Residence
Garage2-car
MLS #2154958
Listing status40 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountyNassau
Area listings4 active · 0 under contract
Estimated first-year tax~$9,635/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$347
Estimated monthly payment$6,545
Insurance (illustrative)$4k–$8k/yr
Comparable-sales median$1,138,861
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
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. Even a tight range from comparable sales can’t price a specific home — here’s why.
$955,111the mess$1,215,327
Actual list price: $1,025,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 40 days on market vs. a 63-day community median
4 active listings competing
≈9.6 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $1,025,000 ($347/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? 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: 2,957 sq ft × $323–$411/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
Keep looking
Similar homes for sale near Oyster Bay Harbours
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.
Listed for $1,025,000Momentum Realty · on market 40 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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.
Property tax (first-year est.)
~$9,635/yr
A rough first-year estimate only, applying a typical Nassau rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$4k–$8k/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
$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.
Connectivity
Internet & broadband
Fiber
Check availability
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.
Market data · public records
Recent sales activity in Oyster Bay Harbours
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 Oyster Bay Harbours neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$1,138,861
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$367
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Oyster Bay Harbours
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Builder
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 10 miles west of Oyster Bay Harbour.
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 10 miles west of Oyster Bay Harbour.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 9 min
Dining
Down Under Restaurant 11 min
Shopping
Villages of Amelia 8 min
Parks
Kids can be kids 16 min
Assigned schools
Assigned schools
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 HardeeAssigned elementary school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina BeachAssigned middle school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina BeachAssigned 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 →
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 Apr 2026
$1,100,000
96492 SOAP CREEK Drive, Fernandina Beach
3 / 3 bd/ba · 3,012 sq ft · $365/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold Jan 2026
$1,138,861
96564 COMPASS POINT Drive, Fernandina Beach
3 / 2.5 bd/ba · 2,783 sq ft · $409/sq ft
Courtesy of NON MLS (realMLS) · View details →
Sold Jun 2026
$1,250,000
96478 SOAP CREEK Drive, Fernandina Beach
3 / 2.5 bd/ba · 3,405 sq ft · $367/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Community 12-month median: $367/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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$4,698 – $6,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,993 – −$71At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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
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 96042 LANCEFORD Lane 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 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.
