$1,175,000
96133 OYSTER BAY Drive, Fernandina Beach, FL 32034
Oyster Bay Harbours
- Price
- $1,175,000
- Beds / Baths
- 3 / 4
- Living area
- 3,250 sqft
- Year built
- 2019
- Type
- Residential
- Lot
- 0.41 ac
- Garage
- 3
- HOA
- $125/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 20
$362/sqft asking, vs a $255/sqft median across 1,090 closed sales in 32034 over the last 12 months — 42% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Your ultimate coastal retreat awaits in the premier gated community of Oyster Bay Harbour in Fernandina Beach. Enter the home through a mahogany door to a custom home where you are welcomed to a light-filled home, soaring 12-foot ceilings, hardwood hickory floors, and an expansive great room with gas fireplace. The gourmet kitchen was built with ample cabinetry and oversized quartz island. The home offers three en-suite bedrooms. Two suites are on the main level, including a luxurious primary retreat complete with bay window seating and an oversized walk-in shower. Upstairs, the flexible third suite easily adapts as a guest sanctuary, office, media room, or secondary living space. A sliding glass wall opens to a spacious screened-in tiled lanai and paved patio overlooking a serene lagoon. Oyster Bay Harbour offers residents pickleball, clay tennis courts, and community pool. With an acceptable offer, the Seller will include a paid equity membership to Oyster Bay Yacht Club.
What to check on this one
- Verify flood zone designation and obtain elevation certificate for waterfront property.
- Confirm HOA $125/mo covers what; request Oyster Bay Harbour governing docs and reserve study.
- Inspect roof condition and get insurer quote—2019 build should be insurable but verify now.
- Review yacht club membership transfer terms and any ongoing obligations or fees.
- Confirm screened lanai meets current Fernandina Beach building codes; get structural inspection report.
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 $940,000 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 SOUTHEASTERN PARTNERS. Data via realMLS (Northeast Florida MLS), updated Sep 2, 2026, 8:13 PM.
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