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For sale
    • $799,000

    96233 Montego Bay, Fernandina Beach, FL 32034

    4beds
    1,984sqft
    : 
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    Single Family Residence
    Built in 2004
    9,395 Square Feet Lot
    $-- Zestimate®
    $403/sqft
    $44/mo HOA

    What's special

    Fully fenced yardSaltwater poolPrivate backyard oasisMove-in ready pool homeSoothing fountainRefreshment tableCherry laminate floors
    Move-in ready POOL home on Amelia Island, perfectly positioned, just minutes by bike or golf cart to the beach and historic downtown Fernandina can be used as short-term rental! Built in 2004 and meticulously maintained, this home checks every box for island living at any stage of life, and with a relaxed HOA and county taxes, it is approved for short-term rentals, making it an exceptional investment opportunity as well. The River-to-Sea Trail is right nearby, making the beach instantly more accessible. The bright, open living area features cherry laminate floors and flows seamlessly to your private backyard oasis, complete with a saltwater pool, built-in bench, refreshment table, and soothing fountain. The fully screened enclosure and fully fenced yard make it ideal for kids, pets, or simply relaxing in total privacy. Major systems have been updated including a new roof (2021), newer HVAC and water heater (according to previous homeowner), updated irrigation, and gutters over the outdoor porches. The guest bath and most of kitchen have been renovated in the last 2 years. Hurricane shutters on the front provide added peace of mind, and a termite bond is in place. A water softener in the garage (never used by current owners) is ready for the next owner. Located in a quiet, established neighborhood that is central to everything the island offers, this home delivers the full Amelia Island lifestyle without compromise. You will not find a better deal for all this home has to offer on-island.
    78 days
    |
    679
    |
    28
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Kelli Allen 904-321-7917,

    ERA FERNANDINA BEACH REALTY

    Source: AINCAR,MLS#: 115685MLS LogoOriginating MLS: Amelia Island-Nassau County Assoc of Realtors Inc

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      Heating
      • Central, Electric, Heat Pump
      Cooling
      • Central Air, Electric, Heat Pump
      Appliances
      • Included: Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Water Softener Owned, Stove, Washer
      Features
      • Ceiling Fan(s), French Door(s)/Atrium Door(s), Fireplace, Window Treatments
      • Doors: French Doors
      • Windows: Insulated Windows, Blinds
      • Has fireplace: Yes
      Interior area
      • Total structure area: 1,984
      • Total interior livable area: 1,984 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Two Car Garage, Garage Door Opener
      • Garage spaces: 2
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Rear Porch, Screened
      • Exterior features: Fence, Sprinkler/Irrigation
      • Has private pool: Yes
      • Pool features: In Ground, Private
      Lot
      • Size: 9,395 Square Feet
      • Dimensions: 44 x 127
      Details
      • Parcel number: 000030031500530000
      • Zoning: RS-2
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: One Story
      • Property subtype: Single Family Residence
      Materials
      • Frame, Stucco
      • Roof: Shingle
      Condition
      • Resale
      • Year built: 2004

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public

      Community & HOA

      Community
      • Subdivision: Islesworth
      HOA
      • Has HOA: Yes
      • HOA fee: $523 annually
      Location
      • Region: Fernandina Beach

      Financial & listing details

      • Price per square foot: $403/sqft
      • Tax assessed value: $535,077
      • Annual tax amount: $4,754
      • Date on market: 4/30/2026
      • Cumulative days on market: 79 days
      • Listing terms: Cash,Conventional
      • Road surface type: Paved

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        4/30/2026Listed for sale$799,000+6.5%$403/sqft
        Source: AINCAR #115685 Report a problem
        4/12/2024Sold$750,000-4.5%$378/sqft
        Source: AINCAR #107097 Report a problem
        4/4/2024Pending sale$785,000$396/sqft
        Source: AINCAR #107097 Report a problem
        2/5/2024Listed for sale$785,000+82.3%$396/sqft
        Source: AINCAR #107097 Report a problem
        7/30/2021Sold$430,500+17.9%$217/sqft
        Source: AINCAR #95647 Report a problem
        7/8/2020Sold$365,000-3.7%$184/sqft
        Source: Public Record Report a problem
        1/22/2020Listed for sale$379,000+2.5%$191/sqft
        Source: RE/MAX Sterling #87776 Report a problem
        4/5/2006Sold$369,900+60.1%$186/sqft
        Source: Public Record Report a problem
        2/23/2004Sold$231,000$116/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$4,754 +1.2%$340,341 +3%
        2023$4,696 +24.1%$330,428 +14.4%
        2022$3,783 -27.4%$288,954 -11.5%
        2021$5,207 +8.1%$326,378 +9.7%
        2020$4,816 +82.6%$297,434 +47.6%
        2019$2,637 $201,518 +1.9%
        2018$2,637 +1.1%$197,761 +2.1%
        2017$2,609 +9.8%$193,693 +2.1%
        2016$2,376 +1.1%$189,709 +0.7%
        2015$2,351 -1%$188,390 +0.8%
        2014$2,375 $186,895 +1.5%
        2013-- $184,133 -5.8%
        2012-- $195,489 -4.6%
        2011-- $204,955 -3.7%
        2010-- $212,858 -7.7%
        2009-- $230,631 -3.7%
        2008-- $239,516 -3.3%
        2007-- $247,681 +25.1%
        2006-- $197,953 +3%
        2005-- $192,187 +327.1%
        2004-- $45,000 +260%
        2003-- $12,500
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        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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        Climate risks

        Neighborhood: 32034

        Getting around

        43 / 100
        Car-Dependent
        56 / 100
        Bikeable

        Nearby schools

        GreatSchools rating

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