listed May 29, 2026 Single Family Residence ▼ Price cut: $35,000 (10/29)
$460,000
4-Bedroom Home in Nassau Lakes

96291 Nassau Lakes Circle, Fernandina Beach, FL 32034

Single Family Residence in Nassau Lakes, Fernandina Beach · No CDD on record
Nassau Lakes · Fernandina Beach, FL 32034 · Nassau County
Listing data checked against the MLS October 31, 2026 at 4:55 AM ET · rechecked hourly
4Bedrooms
2.5Bathrooms
2,244Sq Ft
2004Year Built
$205Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X4 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.
19% below
$/sq ft vs community
$205 here vs $253 median sold (12 mo)
Buyer leverage
Seller-leaning
155 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~16 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 12
Price vs recent sales
Asking $460k tops 3 of the last 12 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

96291 NASSAU LAKES Circle in Nassau Lakes, Fernandina Beach is listed at $460,000 (2,244 sq ft, about $205 per sq ft). That sits within a few percent of Nassau Lakes's median closed sale of $440,000 over the last 12 months (2 recorded sales). Per square foot it is below the community's recent $253/sq ft by about 19%. It has been listed May 29, 2026. Listing facts: built in 2004, HOA dues of $31/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 2004 · 22 yrs
  • 2,244 sq ft of living area
  • 2-car garage
  • Listed at $460,000 — recent neighborhood median sale price ~$440,000 (nearby sales; deemed reliable, not an appraisal)
  • listed May 29, 2026
  • HOA $31/mo (per listing)
School district: Nassau schools near the beaches and Yulee. It appeals to those who prefer independence over the uniformity of a master plan. Schools Nassau Lakes is in the Nassau County SchoolCommunity built 1988–2006Yummy Sushi · 3 min driveEllianos Coffee · 3 min driveWinn Dixie · 6 min drive
Listing description

About this home

Beautifully landscaped and ideally positioned on a spacious corner lot, this well-maintained home offers outstanding curb appeal and plenty of room to grow. The thoughtfully designed floor plan features expansive living spaces on the main level--perfect for both everyday living and entertaining--while four generously sized bedrooms upstairs provide comfort and privacy. Recent updates enhance both style and functionality, including an electric fireplace, cement-coated floors, updated bathrooms including showers and tubs, new countertops.

The bright kitchen showcases newer stainless-steel appliances and a cozy breakfast area, ideal for casual dining. A formal dining room overlooks the private, fully fenced backyard, enclosed with a 6-foot privacy fence--perfect for relaxing or hosting gatherings. Step outside to enjoy the paver patio which is perfect for dining or proceed to your own firepit area, creating a warm and inviting outdoor living space.

This oversized lot can accommodate a poo

All 33 photos

96291 Nassau Lakes Circle, Fernandina Beach FL - photo 6 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 7 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 8 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 9 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 10 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 11 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 12 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 13 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 14 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 15 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 16 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 17 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 18 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 19 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 20 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 21 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 22 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 23 of 3396291 Nassau Lakes Circle, Fernandina Beach FL - photo 24 of 33

Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS and reproduced from the MLS; not independently verified.

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERSProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™ · automated estimate

The Messtimate

Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.

$479,000the mess$622,800

Directional estimate — built from 3 comparable closed sales in Nassau Lakes (same property type, closed within the last 18 months, each adjusted to today's market); the Nassau County 2025 tax roll just value ($413,036) × the local sale-to-roll ratio of 40 nearby sales.

Track record: across 2,814 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.

Actual list price: $460,000 ($205/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 30% spread on the same house — here is what a model can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
  • Carrying costs & concessions — this home carries HOA dues of $31/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.

And what the live market is doing right now:

  • 1 active listing competing
  • ≈2.4 months of supply
  • 5 closed here in the last 12 months
Want a property-specific value 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.

Selling your own home? Try the Messtimate on your address →

Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (3) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 31, 2026.

How it stacks up

Comparable recent sales

3 closed sales in Nassau Lakes in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 3 sales: $440,000 ($253/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.

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$460,000
Bed / bath4 / 2.5
Living area2,244 sq ft
Year built2004
Property typeSingle Family Residence
Garage2-car
MLS #2148085
Listing statuslisted May 29, 2026

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~16 ft
CountyNassau
Area listings1 active · 0 under contract
Estimated first-year tax~$5,450/yr
CDD assessmentNone on record
HOA$31/mo

Calculated estimates

Price per sq ft$205
Estimated monthly payment$3,185
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$440,000

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

$3,185/mo
  • Principal & interest $2,508/mo 79%
  • Taxes $454/mo 14%
  • Insurance $192/mo 6%
  • HOA $31/mo 1%

$3,185/mo at 20% down, 30-yr @ 7.24% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$5,450/yr
≈ $454/mo·effective rate ~1.18%
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 $2,275/yr ($190/mo) — taxable value $170,560 × 13.28 mills
$3,175 more each year
(+140%)

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
$242,476
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.
$413,036
Market value
$221,282
Assessed
$170,560
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.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

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.

What it really costs to own 96291 Nassau Lakes Circle

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property taxThe current owner's bill is about $2,275/yr (certified county roll, taxable value × millage). Buy at the asking price of $460,000 and the first-year bill resets to about $5,450/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.28 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues$31/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insuranceThe average Citizens Property Insurance premium in Nassau County is $1,159/yr (389 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 2004. An original roof would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.

Estimated carrying cost at the asking price, before the mortgage: about $582/month (tax $454, HOA $31, insurance $97). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.

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
$31/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
~16 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.

County hazard risk ratings (FEMA National Risk Index, county level)
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.

Internet & broadband — how to check availability for this address
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 · Nassau Lakes

Pricing & the Nassau Lakes market

How this home is priced against recent nearby sales, and where Nassau 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 per sq ft · this home vs. recent nearby salesThis homeThis home: $205/sq ft$20596223 PARLIAMENT Drive96223 PARLIAMENT Drive: $253/sq ft$25396223 PARLIAMENT Drive96223 PARLIAMENT Drive: $253/sq ft$25396223 PARLIAMENT Drive96223 PARLIAMENT Drive: $349/sq ft$349Community median $253

Price vs. size in Nassau Lakes

Each dot is a closed sale since 2006 (44 total). This home is the gold marker.

$85k$361k$637k1,3122,1542,997This home: $460,000, 2,244 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2015–2025. This home lists at $205/sq ft.

$103$178$2522015: $11820152016: $11820162018: $14120182020: $17820202021: $19320212024: $23820242025: $2352025

Median sale price by year

12-month median closed price, 2015–2025.

$157k$292k$426k2015: $220k20152016: $183k20162018: $236k20182020: $304k20202021: $326k20212024: $400k20242025: $398k2025
Property timeline

This home’s history

  • 2004BuiltPer public record
  • About May 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about May 29, 2026)
  • Jul 2, 2026First seen on movewithmomentum.comObserved at $525,000
  • Aug 4, 2026Price cut$495,000 (-$30,000, -5.7%)
  • Oct 29, 2026Price cut$460,000 (-$35,000, -7.1%)
  • 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 $460,000KELLER WILLIAMS REALTY ATLANTIC PARTNERS · listed May 29, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

74/100
Strongest on: Price vs area (97), Flood safety (95)
0 limited50100 exceptional

74/100 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 area97
This home $205/sq ft vs the community 12-month median $253/sq ft.
Affordability42
List price $460,000 vs the community median $440,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~16 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Market liquidity66
Community inventory, ~2.4 months of supply (12-month record).

Coverage: 5 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

🟠 Seller-leaning conditions around this listing. 2.4 months of supply in the surrounding market and 155 days on market for this home, against a 155-day area median.Days on market:this home 155Area median:  155 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 30, 2026.

🟡 Asking $205 per square foot, about 19% below the community’s $253 median. Nassau Lakes’s 12-month median sold price per square foot is $253. Confidence: Low · 2 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.

76% of homes in Nassau Lakes are owner-occupied. An estimated 24% are non-owner-occupied, including 6% held in a company or trust and 4% 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), 215 homes matched. Community-level context.

What’s unique here: one of only 1 active listings in Nassau Lakes, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Checked against the MLS October 31, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Seen enough photos?

Want to see 96291 NASSAU LAKES Circle?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS · MLS # 2148085

Request a showing

or call (904) 351-6461
Keep looking

Similar homes for sale near Nassau 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.

Newest listings in Fernandina Beach

  • 1721 Atlantic Avenue, Fernandina Beach · $865,000 · 2 bd / 1.0 ba · listed October 29, 2026 (courtesy of WATSON REALTY CORP)
  • 1977 Clinch Drive, Fernandina Beach · $600,000 · 3 bd / 1.0 ba · listed October 29, 2026 (courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS)
  • 95045 Bermuda Drive, Fernandina Beach · $575,000 · 3 bd / 2.5 ba · listed October 28, 2026 (courtesy of SUMMER HOUSE REALTY)
  • 95300 Orchid Blossom Trail, Fernandina Beach · $525,000 · 6 bd / 3.0 ba · listed October 26, 2026 (courtesy of TAYLORED REALTY, INC.)
  • 95023 Douglas Road, Fernandina Beach · $310,000 · 3 bd / 2.0 ba · listed October 23, 2026 (courtesy of FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT)
  • 95150 Starling Court, Fernandina Beach · $1,175,000 · 5 bd / 4.0 ba · listed October 23, 2026 (courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS)

Recently off market in Nassau Lakes

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Nassau Lakes news

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 4 miles northwest of Nassau Lakes.

Nassau NewsLine

Aug 2026 · Builder

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 about 1 mile east of Nassau Lakes.

Nassau NewsLine

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 northwest of Nassau Lakes.

Jax Daily Record

Mar 2026 · Development

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 northwest of Nassau Lakes.

Jax Daily Record

Go deeper

More on Nassau Lakes

Go deeper on Nassau 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.

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
Yulee Elementary SchoolPublic Elementary (likely zoned, off-island) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee Middle SchoolPublic Middle 6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee High SchoolPublic High 9-12 (A-rated) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Southside Elementary SchoolPublic PreK-2 (Fernandina Beach) · 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

  • Winn Dixie 6 min

Dining

  • Yummy Sushi 3 min

Shopping

  • Villages of Amelia 6 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.

Before you decide

Buyer research checklist

Items worth confirming for 96291 NASSAU LAKES Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2004 (22 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 $31/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 2,244 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 $5,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,175 more per year than the current owner’s estimated bill (+140%). 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 recordrealMLS, checked against the MLS hourly (last: October 31, 2026)
Comparable salesrealMLS closed sales in Nassau Lakes, last 18 months, as of October 30, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 96291 NASSAU LAKES Circle and when was it built?

Per the listing record, 96291 NASSAU LAKES Circle was built in 2004 and has 2,244 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 96291 NASSAU LAKES Circle in?

96291 NASSAU LAKES Circle is in Nassau Lakes in Fernandina Beach, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 96291 NASSAU LAKES Circle have an HOA, and how much are the dues?

The listing reports HOA dues of $31 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 96291 NASSAU LAKES Circle differ from the current owner's?

The estimate on this page (about $5,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,175 more per year than the current owner’s estimated bill (+140%). 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 96291 NASSAU LAKES Circle 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 96291 NASSAU LAKES Circle 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

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 jon@movewithmomentum.com and we will review and correct or remove it promptly.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

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.

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.