For sale

$285,000

96023 Cottage Ct #1202, Fernandina Beach, FL 32034

3beds

1,477sqft

$2,303/mo

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Condominium

Built in 2008

-- sqft lot

$271,900 Zestimate^®

$193/sqft

$385/mo HOA

What's special

Gated entranceCommunity poolFunctional layoutNew lvp flooring downstairsPrivate neighborhood setting

Enjoy low-maintenance living in The Cottages at Stoney Creek, a gated condo community. This 3-Bedroom, 2.5-Bath home features a functional layout with a Half Bath on the main level and all Bedrooms upstairs for added privacy. Building has a new Roof in 2025. Recent updates include a new HVAC System in 2025 and new LVP flooring downstairs. This home is move-in ready and residents enjoy access to a gated entrance, private neighborhood setting and community pool, all with a low HOA fee. Ideally located just a short drive from Amelia Island, the beaches, dining, shopping and historic downtown Fernandina Beach.

50 days

237

6

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3
Full bathrooms: 2
Partial bathrooms: 1

Other

Description: Flooring: Carpet,Tile,Vinyl

Heating

Central, Electric

Cooling

Central Air, Electric

Appliances

Included: Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Stove, Washer, Ice Maker

Features

Ceiling Fan(s), Storage, Cable TV, Window Treatments
Windows: Aluminum Frames, Blinds

Interior area

Total structure area: 1,477
Total interior livable area: 1,477 sqft

Property

Parking

Total spaces: 1
Parking features: Driveway, One Car Garage, Garage Door Opener
Garage spaces: 1
Has uncovered spaces: Yes

Features

Levels: Two
Stories: 2
Patio & porch: Rear Porch, Screened

Details

Parcel number: 252N28027C12020000
Special conditions: None

Construction

Type & style

Home type: Condo
Architectural style: Two Story
Property subtype: Condominium

Materials

Frame, Stucco
Roof: Shingle

Condition

Resale
Year built: 2008

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Cable Available

Community & HOA

Community

Features: Gated
Security: Gated Community
Subdivision: Cottages at Stoney Creek

HOA

Has HOA: Yes
Second HOA fee: $385 monthly

Location

Region: Fernandina Beach

Financial & listing details

Price per square foot: $193/sqft
Date on market: 6/3/2026
Cumulative days on market: 51 days
Listing terms: Cash,Conventional

Estimated market value

$271,900

$258,000 - $285,000

$4,155/mo

Price history

Date	Event	Price
4/26/2026	Listed for sale	$285,000$193/sqft
Source: realMLS #2142037 Report a problem

Public tax history

Tax history is unavailable.

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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