96097 Montego Bay is a well-updated 4-bedroom, 3-bath island home offering over 2,300 square feet on a large fenced lot in the established Islesworth community. The oversized backyard features a heated pool with a new heater and is fully powered by a 22kW Generac whole-house generator capable of running the entire home. An owned propane system (250 gallon tank) services the fireplace, pool heater, and stove, while solar panels (16’ x 27’) enhance efficiency. Major updates include a new roof (2021), two new HVAC systems, new flooring, updated appliances including a Viking stove and enormous 'secret' butlers pantry, remodeled bathroom, new fans and toilets, full exterior repaint (2021), gutters, and upgraded lanai screens. Comfort upgrades include a whole-house dehumidifier, owned water softener, mini-split garage system, and smart Wi-Fi door locks. Additional features include serviced fireplace, fenced yard with oversized gate, backyard storage shed, and a living room TV that conveys. Located minutes from Amelia Island beaches, dining, parks, and Nassau County schools. Love where you live- call soon!
Sold for $850,000
$850,000
96097 Montego Bay, Fernandina Beach, FL 32034
4beds
2,333sqft
Single Family Residence
Built in 2004
0.47 Acres Lot
$848,800 Zestimate®
$364/sqft
$4,271 Estimated rent
Home value
$848,800
$781,000 - $917,000
$4,271/mo
Zestimate® history
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List your homeWhat's special
Serviced fireplaceMini-split garage systemUpgraded lanai screensOversized backyardTwo new hvac systemsOwned water softenerLarge fenced lot
Zillow last checked:
Listing updated:
Listed by:
Jenny Schaffer 904-557-4739,
SUMMER HOUSE REALTY,
Ariel Marinel 603-997-1243,
SUMMER HOUSE REALTY
Bought with:
Jenny Schaffer, 3347104
SUMMER HOUSE REALTY
Source: AINCAR,MLS#: 113794
Originating MLS: Amelia Island-Nassau County Assoc of Realtors Inc
Originating MLS: Amelia Island-Nassau County Assoc of Realtors IncFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Primary bedroom
- Description: Flooring: Carpet
- Level: Main
- Dimensions: 13x25
Bedroom
- Description: Flooring: Carpet
- Level: Main
- Dimensions: 13x11
Bedroom
- Description: Flooring: Carpet
- Level: Main
- Dimensions: 10x10
Bonus room
- Description: Flooring: Plank,Vinyl
- Level: Upper
- Dimensions: 11x19
Dining room
- Description: Flooring: Plank,Vinyl
- Level: Main
- Dimensions: 10x9
Kitchen
- Description: Flooring: Plank,Vinyl
- Level: Main
- Dimensions: 9x15
Living room
- Description: Flooring: Plank,Vinyl
- Level: Main
- Dimensions: 16x15
Heating
- Central, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Water Softener Owned, Stove, Washer
Features
- Ceiling Fan(s), Fireplace, Split Bedrooms, Storage, Cable TV, Window Treatments
- Windows: Vinyl, Blinds, Drapes
- Has fireplace: Yes
Interior area
- Total structure area: 2,333
- Total interior livable area: 2,333 sqft
Property
Parking
- Total spaces: 2
- Parking features: Two Car Garage, Garage Door Opener
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Rear Porch, Screened
- Exterior features: Fence, Sprinkler/Irrigation
- Has private pool: Yes
- Pool features: Heated, In Ground, Private, Screen Enclosure
Lot
- Size: 0.47 Acres
- Dimensions: 61 x 160 x 188 x 177
- Features: Irregular Lot
Details
- Parcel number: 000030031500430000
- Zoning: RS-2
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subtype: Single Family Residence
Materials
- Frame, Stucco
- Roof: Shingle
Condition
- Resale
- Year built: 2004
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available
Community & HOA
Community
- Subdivision: Islesworth
HOA
- Has HOA: Yes
- HOA fee: $405 annually
Location
- Region: Fernandina Beach
Financial & listing details
- Price per square foot: $364/sqft
- Tax assessed value: $569,754
- Annual tax amount: $5,951
- Date on market: 1/6/2026
- Cumulative days on market: 6 days
- Listing terms: Cash,Conventional
- Road surface type: Paved
Price history
| Date | Event | Price |
|---|---|---|
| 2/26/2026 | Sold | $850,000$364/sqft |
Source:  AINCAR #113794 Report a problem | ||
| 1/13/2026 | Pending sale | $850,000$364/sqft |
Source: AINCAR #113794 Report a problem | ||
| 1/6/2026 | Listed for sale | $850,000+77.1%$364/sqft |
Source: AINCAR #113794 Report a problem | ||
| 8/14/2020 | Sold | $480,000$206/sqft |
Source: AINCAR #90575 Report a problem | ||
| 7/11/2020 | Listed for sale | $480,000+20.3%$206/sqft |
Source: WATSON REALTY CORP. #90575 Report a problem | ||
| 3/3/2017 | Sold | $399,000+59.7%$171/sqft |
Source: AINCAR #73785 Report a problem | ||
| 3/18/2004 | Sold | $249,800$107/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,951 +1.2% | $415,954 +3% |
| 2023 | $5,884 +9.8% | $403,839 +3% |
| 2022 | $5,356 -1.2% | $392,077 +3% |
| 2021 | $5,423 +9.1% | $380,657 +9.4% |
| 2020 | $4,972 +1.3% | $347,847 +2.3% |
| 2019 | $4,907 | $340,026 +1.9% |
| 2018 | $4,907 +0.9% | $333,686 +47% |
| 2017 | $4,863 +68.3% | $227,036 +2.1% |
| 2016 | $2,890 +1% | $222,366 +0.7% |
| 2015 | $2,861 -1% | $220,820 +0.8% |
| 2014 | $2,890 | $219,067 +1.5% |
| 2013 | -- | $215,830 -0.6% |
| 2012 | -- | $217,075 -4.9% |
| 2011 | -- | $228,325 -4.7% |
| 2010 | -- | $239,683 -6.8% |
| 2009 | -- | $257,117 +0.1% |
| 2008 | -- | $256,860 +3% |
| 2007 | -- | $249,379 +2.5% |
| 2006 | -- | $243,297 +8.6% |
| 2005 | -- | $224,043 +397.9% |
| 2004 | -- | $45,000 +260% |
| 2003 | -- | $12,500 |
Find assessor info on the county website
Neighborhood: 32034
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Nearby schools
GreatSchools rating
- 8/10Emma Love Hardee Elementary SchoolGrades: 3-5Distance: 0.5 mi
- 6/10Fernandina Beach High SchoolGrades: PK,3,8-12Distance: 2.3 mi
- NASouthside Elementary SchoolGrades: PK-2Distance: 1.8 mi
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Estimated market value
$848,800
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Estimated market value
$848,800
- Florida
- Nassau County
- Fernandina Beach
- 32034
- 96097 Montego Bay
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