$599,999
96180 MONTEGO BAY, Fernandina Beach, FL 32034
Isleworth
- Price
- $599,999
- Beds / Baths
- 3 / 2
- Living area
- 1,649 sqft
- Year built
- 2004
- Type
- Residential
- Lot
- 0.2 ac
- Garage
- 2
- HOA
- $523/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 101
Located in the quiet Islesworth subdivision of Fernandina Beach/Amelia Island, this well-maintained 3-bedroom, 2-bathroom home offers practical living in a prime location. Spanning a functional floor plan, the interior features a bright living area, a functional kitchen with solid counter space, and a private primary bedroom with an en-suite bath. Step outside to a spacious backyard, perfect for pets, children, or outdoor dining. The property also includes a two-car garage with plenty of room for vehicles and extra storage. Islesworth residents enjoy low HOA fees and a highly accessible location. You are just a short drive from Amelia Island's 13 miles of public beaches, the shops and dining of historic downtown Fernandina Beach, and highly-rated local schools. With easy access to major roadways, the commute to Jacksonville International Airport is under 45 minutes. Perfect as a primary residence or a low-maintenance investment property.
What to check on this one
- Verify exact flood zone with FEMA map; request elevation certificate if AE/VE zone.
- Confirm roof age and condition; get 4-point inspection quote for insurance.
- Review HOA docs: Islesworth covenants, rental restrictions, special assessments pending.
- Inspect plumbing type (polybutylene / cast-iron common in 2004 builds).
- Verify HVAC age and service records; request maintenance history.
- Confirm all utilities (septic, well, or municipal water/sewer for area).
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $479,999 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 4:46 PM.
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