$959,000
96513 SOAP CREEK Drive, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Oyster Bay Harbours
- Price
- $959,000
- Beds / Baths
- 3 / 3
- Living area
- 2,404 sqft
- Year built
- 2007
- Type
- Residential
- Lot
- 0.3094 ac
- Garage
- 3
- HOA
- $142/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 4
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
Discover the relaxed coastal lifestyle of Oyster Bay Harbour, one of Fernandina Beach's most sought after gated communities. This beautifully updated single story 3-bedroom, 3-bath home offers timeless style, quality craftsmanship, and peaceful pond views. Enjoy a welcoming front porch, screened lanai with summer kitchen, and an open floor plan perfect for everyday living and entertaining. Features include 10 ft ceilings, hardwood floors, plantation shutters, fresh interior paint, custom built-ins with a gas fireplace, custom walk-in pantry, updated lighting, new front door glass, and a spacious 3 car garage. Recent updates include a 2023 HVAC, brand new water softener, refreshed landscaping and irrigation, freshly stained front porch, and serviced whole house generator. Enjoy community pool, tennis, pickleball, plus optional Oyster Bay Yacht Club membership available at a reduced initiation fee. Minutes to Amelia Island beaches and historic downtown Fernandina Beach.
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate if AE/VE.
- Confirm HOA documents, architectural restrictions, and rental policy for Oyster Bay Harbour.
- Request 2023 HVAC service records and whole-house generator maintenance history.
- Verify roof age and condition; obtain 4-point inspection if needed for insurance.
- Confirm water softener warranty and plumbing materials (polybutylene risk pre-1995).
- Request HOA financial statements and any pending assessments or special fees.
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 $767,200 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 ONE SOTHEBY'S INTERNATIONAL REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 10, 2026, 1:29 AM.
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