$324,000
96158 STONEY CREEK Parkway 402, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Cottages at Stoney Creek
- Price
- $324,000
- Beds / Baths
- 3 / 3
- Living area
- 1,477 sqft
- Year built
- 2008
- Type
- Condo
- Lot
- —
- Garage
- 1
- HOA
- $370/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 85
$219/sqft asking, vs a $405/sqft median across 269 closed sales in 32034 over the last 12 months — 46% below the area's closed prices. This turnkey furnished townhome at $219/sf sits 46% below the area's $405/sf average, likely reflecting its smaller scale or fewer amenities than comparable sold properties in The Cottages.
Skip the stress of moving and step right into paradise with this completely furnished, turn-key townhome! Located in the highly desirable gated neighborhood of The Cottages at Stoney Creek, this beautiful 3-bedroom property features a bright open layout designed for effortless coastal living. Maintained in absolute pristine condition, it is sold fully loaded with all quality furniture, coastal decor, and housewares included. The main level pairs a large kitchen and breakfast bar with light, airy living and dining spaces that flow seamlessly out to your private screened lanai, overlooking a premium, tranquil wooded backyard with no rear neighbors. Upstairs, the open landing area features a dedicated desk and hutch setup that adds perfect flex functionality for working from home or a study nook. The generous primary suite serves as a true retreat, highlighting a giant walk-in closet and a spacious bathroom complete with a dual-sink vanity, a relaxing tub, and a separate walk-in shower. Two beautifully furnished guest rooms, a spotless full bath, a second-floor laundry room, and an attached 1-car garage complete this turn-key package. Enjoy low-maintenance Florida living just steps from the beautiful resort-style neighborhood pool. Best of all, you are just minutes away from shopping, top-rated dining, and the world-class sandy beaches of Amelia Island.
What to check on this one
- Obtain condo milestone inspection and SIRS report from HOA
- Verify flood zone designation and obtain elevation certificate if needed
- Request HOA financial statements, reserve study, and all governing documents
- Confirm roof age and get 4-point inspection quote for insurance approval
- Review condo rental policy — verify short-term-rental eligibility before purchase
- Inspect plumbing type; if cast-iron/polybutylene present, budget replacement costs
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 $259,200 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 KELLER WILLIAMS SOUTHEASTERN PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 11, 2026, 4:26 PM.
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