$289,999
96029 COTTAGE Court 1205, Fernandina Beach, FL 32034
Cottages at Stoney Creek
- Price
- $289,999
- Beds / Baths
- 3 / 2
- Living area
- 1,680 sqft
- Year built
- 2008
- Type
- Condo
- Lot
- —
- Garage
- 1
- HOA
- $380/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 56
- Elementary
- Atlantic
- 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. Renovated unit priced at $173 per square foot, well below the area's $405 average, likely reflecting condo market conditions or recent sale timing.
Welcome home! This spacious 3 Bedroom/2 Bath condo is the largest floor plan in the community, and it truly lives more like a house than a condo. High ceilings and an open layout give it an airy, modern feel, while updated flooring, plantation shutters, and a cheerful pop of sunshine yellow keep the rooms feeling bright and fresh. The kitchen is a standout -- Beautiful 42-inch cabinets, a pantry, and an island with bar space flow right into a cozy breakfast nook, making it easy to cook, gather, and entertain all in one open space. The bathrooms have been thoughtfully updated too, and there's plenty of room throughout to spread out or work from home. Step out back to your own screened-in patio -- the perfect spot to sip your morning coffee and listen to the birds. A chairlift is also included for easy access between floors, simple to remove if you don't need it, and a nice bonus if you do. Location is a real win here: you're just around the corner from restaurants and Super Walmart, about 10 minutes to the beach, and 10 minutes to I-95 -- convenient to everything without the hustle. Home is tucked inside a quaint, gated community with a sparkling pool, and HOA fees stay affordable at under $400/month. Move-in ready, full of light, and full of space -- this one is hard not to fall in love with. Come see it for yourself
What to check on this one
- Obtain condo's SIRS report and latest milestone inspection results.
- Request HOA financials, reserve study, and rental restriction documentation.
- Verify flood zone designation and obtain elevation certificate if needed.
- Confirm roof age and get 4-point inspection quote before offer.
- Review plumbing materials—cast iron or polybutylene present?
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 $231,999 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 FERNANDINA BEACH REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 10:54 PM.
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