$995,000
96042 LANCEFORD Lane, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Oyster Bay Harbours
- Price
- $995,000
- Beds / Baths
- 4 / 4
- Living area
- 2,957 sqft
- Year built
- 1994
- Type
- Residential
- Lot
- 0.79 ac
- Garage
- 2
- HOA
- $83/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 89
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$336/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 33% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Don't miss this Cape Cod charmer in gated Lanceford Creek Plantation at Oyster Bay Harbour! Back on the market with $30,000 in improvements, including a complete interior repaint. Originally built by Harry Trevett and renovated by Cole Builders in 2015, this home features an open floor plan, new windows, siding, doors, and a vaulted screened porch. The main-level primary suite is joined by two upstairs bedrooms plus a bonus room/4th bedroom with full bath. Quality finishes include hardwood floors, vaulted ceilings, granite countertops, crown molding, plantation shutters, and stainless appliances. Situated on one of the largest interior lots (over ¾ acre), there's room for a pool, carriage house, or detached garage. Enjoy Lanceford Creek views, a fire pit, fenced dog area, irrigation, termite bond, and optional Oyster Bay Yacht Club membership. Just 15 minutes to Amelia Island beaches and Fernandina Beach schools.
What to check on this one
- Verify roof age—built 1994, may need inspection or insurer approval soon.
- Get 4-point inspection report; confirm roof, HVAC, plumbing, electrical condition.
- Confirm flood zone designation and obtain elevation certificate if in AE/VE.
- Review HOA documents, CC&Rs, and rental restriction policies for Lanceford Creek.
- Inspect plumbing materials—1994 build may have polybutylene; request service history.
- Verify termite bond transferability and get current pest inspection report.
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 $796,000 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 BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS. Data via realMLS (Northeast Florida MLS), updated Aug 2, 2026, 4:57 PM.
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