$624,900
95045 BERMUDA Drive, Fernandina Beach, FL 32034
Amelia National
- Price
- $624,900
- Beds / Baths
- 3 / 3
- Living area
- 2,371 sqft
- Year built
- 2006
- Type
- Residential
- Lot
- 0.38 ac
- Garage
- 2
- HOA
- $81/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 94
Located in the gated Amelia National community, set on a newly updated Tom Fazio-designed golf course, this thoughtfully designed single-story home offers privacy, space, and a lifestyle buyers are searching for. Set on an oversized .38-acre lot backing to protected conservation, the setting is quiet and serene with no rear neighbors. Inside, the home features 10-foot ceilings, crown molding, and durable 18-inch tile flooring throughout the main living areas. The kitchen is designed for both function and entertaining, with quartz countertops, 42-inch cabinetry, stainless steel appliances, a gas range, and custom glass-front details. The open layout flows into the living area. The primary suite offers a large walk-in closet, dual vanities, and a spacious bath. An additional flex room provides options for a home office, workout space, den, or potential fourth bedroom. Step outside to a generous covered outdoor living area overlooking the conservation
What to check on this one
- Verify roof age and obtain 4-point inspection; home is 18 years old.
- Confirm CDD bond payoff amount and remaining assessment obligations.
- Request HOA bylaws, rental restrictions, and amenity rules for Amelia National.
- Obtain flood zone determination; request elevation certificate if in AE/VE.
- Verify plumbing type (polybutylene/cast-iron era risk) and get service records.
- Confirm HVAC age and maintenance history; get quotes if approaching 15 years.
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 $499,920 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 Jul 20, 2026, 2:43 PM.
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