$360,000
94705 DUCK LAKE Drive, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Holly Point
- Price
- $360,000
- Beds / Baths
- 4 / 3
- Living area
- 1,841 sqft
- Year built
- 1982
- Type
- Residential
- Lot
- 0.57 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 89
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$196/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 23% below the area's closed prices. Home is priced 23% below comparable sales at $196/sq ft versus $254 area average; ask agent for specific reason—condition, inspection findings, or market timing.
Private retreat on a .57-acre fenced corner lot beneath mature oak trees in sought-after Holly Point with NO HOA and NO CDD. This 4-bed, 3-bath home offers flexibility, privacy, and room for boats, RVs, and all your outdoor toys, just minutes from Amelia Island, downtown Fernandina Beach, shopping, dining, and schools. Elevated for coastal breezes and peace of mind, the home features solid hardwood floors, tile in the kitchen and baths, beadboard accents, pocket doors, and a NEW metal roof (2025). The dedicated office with its own private entrance is perfect for remote work, a home business, or creative space. Downstairs, a private suite and additional air-conditioned flex space provide endless possibilities for guests, multi-generational living, hobbies, a gym, or additional bedrooms. Updates include a new well pump, well tank, bladder tank, and electric water heater. Covered parking, garage space, circular driveway, fruit-bearing plants, and nearby Boat Ramp complete this offering.
What to check on this one
- Verify well pump, tank, bladder tank, water heater installation dates and service records.
- Confirm flood zone designation and obtain elevation certificate for coastal property.
- Order 4-point inspection; verify roof installation date matches 2025 claim.
- Check septic system age, pumping history, and last inspection documentation.
- Review plumbing materials; homes built 1982 may have polybutylene or cast-iron issues.
- Inspect for wind mitigation features; confirm insurance carrier acceptance.
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 $288,000 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 SUMMER HOUSE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 29, 2026, 7:25 AM.
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