$290,000
96048 COTTAGE Court, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Cottages at Stoney Creek
- Price
- $290,000
- Beds / Baths
- 2 / 2
- Living area
- 1,407 sqft
- Year built
- 2008
- Type
- Condo
- Lot
- —
- Garage
- 1
- HOA
- $370/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 49
$206/sqft asking, vs a $405/sqft median across 269 closed sales in 32034 over the last 12 months — 49% below the area's closed prices. Property is priced roughly 49% below recent area sales; at $206/sqft versus $405/sqft average, ask the listing agent why the valuation gap exists despite recent roof and flooring updates.
First-floor, step-free living with a garage in a sought-after gated community! This beautifully maintained 2-bedroom, 2-bath split floor plan offers comfort, convenience, and peace of mind with a New Roof 2025 and 2021 Trane AC unit,. NO carpet with luxury vinyl plank flooring installed in 2025 in the main living areas and bedrooms, plus tile in the kitchen, baths, and spacious laundry room. A bay window brightens the breakfast nook, while the primary ensuite features a soaking tub, walk-in shower, double sink vanity, water closet, and large walk-in closet. Unwind on the screened porch with wooded views and bonus walk-in storage. Community perks include a sparkling pool, pet-friendly atmosphere, and gated security. Conveniently near shopping, Amelia Island beaches, historic downtown Fernandina Beach, Jacksonville, and Georgia, this move-in ready condo offers low-maintenance living and everyday ease.
What to check on this one
- Pull last 3 years condo reserve study and financial statements from HOA.
- Request condo SIRS report and any pending special assessments.
- Verify flood zone with FEMA map; obtain elevation certificate if AE/VE.
- Confirm roof warranty transfer and 2025 roof installation documentation.
- Review HOA bylaws for rental restrictions and short-term-rental policy.
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 $232,000 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 COLDWELL BANKER THE AMELIA GROUP. Data via realMLS (Northeast Florida MLS), updated Aug 20, 2026, 5:45 PM.
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