$249,900
96100 STONEY Drive, Fernandina Beach, FL 32034
Cottages at Stoney Creek
- Price
- $249,900
- Beds / Baths
- 3 / 2
- Living area
- 1,680 sqft
- Year built
- 2008
- Type
- Condo
- Lot
- —
- Garage
- 1
- HOA
- $370/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 34
$149/sqft asking, vs a $408/sqft median across 237 closed sales in 32034 over the last 12 months — 64% below the area's closed prices. This home is priced 62% below area comparable sales, likely reflecting its condition or requiring updates; contact the listing agent to understand the specific reason for the significant discount.
Welcome to this 3-bedroom, 2-bath home offering approximately 1,680 square feet of living space in the desirable Stoney Creek community of Fernandina Beach. The home features a comfortable and functional floor plan, plenty of natural light, and an attached garage providing convenient parking and additional storage. Enjoy the added benefit of a community pool, perfect for relaxing and enjoying the Florida sunshine. Conveniently located near shopping, dining, schools, Amelia Island, and the beautiful beaches of Fernandina Beach. A wonderful opportunity to make this home your own and add your personal touches.
What to check on this one
- Confirm flood zone designation & obtain elevation certificate if AE/VE.
- Request condo milestone/SIRS reports & reserve study status.
- Review HOA docs: rental restrictions, special assessments, reserves.
- Verify roof age & obtain 4-point inspection given 2008 build.
- Confirm HOA $370/mo includes all fees; check for CDD despite listing.
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 $199,920 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 PINEYWOODS REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Sep 23, 2026, 4:43 PM.
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