$299,000
96230 STONEY Drive 2801, Fernandina Beach, FL 32034
Cottages at Stoney Creek
- Price
- $299,000
- Beds / Baths
- 3 / 3
- Living area
- 1,631 sqft
- Year built
- 2008
- Type
- Condo
- Lot
- —
- Garage
- 1
- HOA
- $370/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 47
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$183/sqft asking, vs a $405/sqft median across 269 closed sales in 32034 over the last 12 months — 55% below the area's closed prices. This renovated home is priced 54.7% below area comps, likely reflecting its $183/sqft versus the area's $405/sqft average; verify specifics with the listing agent.
Welcome to this move-in ready home in the desirable Cottages at Stoney Creek. Freshly painted & thoughtfully updated, this home is ready for its next owner with brand-new stainless steel kitchen appliances & new carpet upstairs, offering a fresh, modern feel from the moment you walk in.Perfectly positioned just inside the neighborhood, you'll enjoy the convenience of being close to the gated community entrance for easy access without being located on a main road. The community pool and mailboxes are just a short walk away, making everyday living even more convenient. Residents also benefit from a well-managed homeowners association dedicated to maintaining the community's appearance, protecting property values, & preserving the integrity of the neighborhood for everyone to enjoy. Location is everything & this home delivers. Situated just minutes from I-95, commuting to both Jacksonville & Fernandina Beach is effortless. You'll also appreciate the close proximity to shopping, dining & all the conveniences of growing Yulee while still enjoying the charm & coastal lifestyle of Amelia Island just a short drive away. Whether you're looking for a primary residence, a low-maintenance lifestyle or an excellent investment opportunity in a fantastic location, this beautifully refreshed home is one you won't want to miss! Lender offers 1% of loan amt towards discount points/closing costs when you choose Daniel Halvorsen, Branch Leader/Mtg Advisor at Halvorsen Team|Neo Home Loans. Lender Incentive is limited to max allowable third party contributions.
What to check on this one
- Pull condo milestone inspection report (2008 build, likely due soon or recent)
- Request SIRS report and any special assessments from HOA
- Verify flood zone designation and obtain elevation certificate if needed
- Review HOA reserve study and confirm $370/mo includes insurance/maintenance
- Confirm roof age and get 4-point inspection estimate before underwriting
- Check condo rental restrictions against your intended use
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 $239,200 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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Aug 12, 2026, 1:24 PM.
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