$281,900
96230 STONEY Drive 2801, Fernandina Beach, FL 32034
Cottages at Stoney Creek
- Price
- $281,900
- 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
- 85
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$173/sqft asking, vs a $408/sqft median across 237 closed sales in 32034 over the last 12 months — 58% 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.
Exceptional value in the gated Cottages at Stoney Creek! This desirable END UNIT offers 3 beds, 2.5 baths & 1,631 SF of spacious, low-maintenance living at one of the LOWEST PRICES PER SQUARE FOOT in the community. Freshly updated & truly move-in ready, the home features fresh interior paint, brand-new stainless steel appliances & new carpet upstairs. The end-unit location provides added privacy, fewer shared walls & abundant natural light, while an attached one-car garage adds everyday convenience. Enjoy the ease of a lock-and-leave lifestyle along with community amenities including a gated entrance & pool. Ideally located with convenient access to I-95, Yulee, Fernandina Beach & Amelia Island. Even more value for the buyer—A preferred-lender incentive equal to 1% of the loan amount toward eligible closing costs or discount points. With its combination of square footage, updates, end-unit location and buyer incentives, #2801 presents an outstanding opportunity in Stoney Creek!
What to check on this one
- Obtain HOA docs: reserve study, financial statements, pending assessments
- Request condo milestone inspection report (18 years old—check for structural issues)
- Verify flood zone designation and get elevation certificate if AE/VE
- Confirm roof age, material, remaining warranty from HOA records
- Review condo SIRS report filed with state for any defects noted
- Verify lender incentive terms in writing before submitting offer
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 $225,520 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 Oct 9, 2026, 2:35 PM.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.