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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$134,900

85245 SOUTHERN CREEK Boulevard, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034

Southern Creek

Price
$134,900
Beds / Baths
0 / 0
Living area
0 sqft
Year built
0
Type
Land
Lot
0.5 ac
Garage
0
HOA
$100/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
19
Elementary
Emma Love Hardee
Middle
Fernandina Beach
High school
Fernandina Beach

Build your dream home on this half-acre homesite in the desirable gated community of Southern Creek. Offering peaceful pond views and a beautiful natural setting, this spacious parcel provides an ideal opportunity to create a custom residence with room to enjoy the relaxed Northeast Florida lifestyle. Conveniently located near Amelia Island's beaches, historic downtown Fernandina Beach, shopping, dining and everyday amenities. Bring your vision and discover the possibilities this exceptional homesite offers! Buyer to verify all building requirements, utilities, HOA information and property dimensions. Some photos have been digitally enhanced for presentation purposes.

What to check on this one

  • Verify exact flood zone with Nassau County Property Appraiser—impacts insurance, financing, elevation reqs.
  • Confirm utility availability: water, sewer, electric lines to lot; septic/well permit feasibility if needed.
  • Review Southern Creek HOA covenants, restrictions, architectural guidelines, and $100/mo fee structure in writing.
  • Obtain survey and confirm lot dimensions, setbacks, and buildable square footage before finalizing design plans.
  • Check Nassau County building codes, permit requirements, and any environmental or wetland restrictions on half-acre.

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

Principal & interest$700/mo
Property tax (1.1% eff., Nassau Co.)$124/mo
Homeowners insurance (est.)$292/mo
HOA$100/mo
All-in monthly (est.)$1,216/mo

Loan $107,920 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 BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 6:22 PM.

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.