$750,000
96004 MONTEGO BAY, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Isleworth
- Price
- $750,000
- Beds / Baths
- 4 / 3
- Living area
- 2,250 sqft
- Year built
- 2004
- Type
- Residential
- Lot
- 0.24 ac
- Garage
- 2
- HOA
- $44/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 26
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$333/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 32% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Stunner alert! Discover exceptional value centrally located on Amelia Island and minutes from island beaches, where generous living spaces, thoughtful updates, and an enviable location come together in one remarkable offering. Privately situated on a quiet cul-de-sac overlooking a tranquil pond, this beautifully renovated residence presents an opportunity to enjoy the island lifestyle without compromising space or quality. Extensively refreshed, the home showcases new Pergo and porcelain tile flooring, fresh interior and exterior paint, updated lighting and ceiling fans, new bathroom fixtures, new stainless appliances, and enhanced landscaping, and a roof newly installed in 2022. Timeless finishes, including granite countertops and a gas fireplace anchoring the family room, create warm and inviting spaces designed for both everyday living and effortless entertaining. Offering four bedrooms and three full bathrooms, the flexible floor plan easily adapts to today's lifestyle. A main-level bedroom with pond views as well as a formal living room with French doors provide ideal spaces for a private home office, library, fitness room, or guest suite. Upstairs are the master bedroom with pond views and ensuite bathroom with whirlpool tub, plus two more bedrooms that share a bathroom. Outdoors, the screened lanai overlooks an expansive backyard and peaceful pond, creating the perfect setting for morning coffee, evening gatherings, or simply enjoying the natural beauty that surrounds you. Combining generous square footage, modern updates, and proximity to Amelia Island's renowned beaches, dining, shopping, and recreation, this residence offers an exceptional opportunity to experience coastal living at an outstanding value.
What to check on this one
- Verify roof installation date (2022 claimed) with permit records and contractor documentation.
- Obtain flood zone designation and elevation certificate from Nassau County—waterfront property requires verification.
- Request HOA docs: CC&Rs, budget, reserve study, rental restrictions, short-term-rental eligibility.
- Confirm all renovations (flooring, electrical, plumbing, bathrooms) pulled proper permits with county.
- Get 4-point inspection quote now—home age may trigger insurer requirements despite 2022 roof.
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 $600,000 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 12:33 PM.
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