Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$368,000

96328 RIDGEWOOD Circle, Fernandina Beach, FL 32034

Lofton Point

Price
$368,000
Beds / Baths
3 / 2
Living area
1,854 sqft
Year built
2004
Type
Residential
Lot
0.66 ac
Garage
2
HOA
$38/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
41

$198/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 22% below the area's closed prices. Condition and lot vary; that's what a showing is for.

GREAT INVESTMENT PROPERTY! Nice home in quiet neighborhood close to shopping and schools. Totally renovated in 2020, new kitchen, master bath, flooring and AC system. Currently rented until Nov. 1st. 2026 for $2200 per month. Tenant wants to stay. Projected rent $2400 per month. FOR INVESTORS ONLY at this point!

What this home really costs per month

Principal & interest$1,909/mo
Property tax (1.1% eff., Nassau Co.)$337/mo
Homeowners insurance (est.)$292/mo
HOA$38/mo
All-in monthly (est.)$2,576/mo

Loan $294,400 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 BEYCOME OF FLORIDA LLC. Data via realMLS (Northeast Florida MLS), updated Aug 19, 2026, 2:02 AM.

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.