$445,000
95958 SURREY Place, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Concourse Crossing
- Price
- $445,000
- Beds / Baths
- 4 / 3
- Living area
- 2,285 sqft
- Year built
- 2025
- Type
- Residential
- Lot
- —
- Garage
- 2
- HOA
- $81/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 6
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$195/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 23% below the area's closed prices. Home was purchased as second property in spring and barely used, priced below comparable sales in the area.
Why wait for new construction when you can have a barely lived in home that is truly move in ready? This stunning 2025 residence was purchased in the spring as a second home and has been barely used. Located on a peaceful preserve lot, it offers privacy and a beautiful natural backdrop. Plantation shutters throughout, timeless Benjamin Moore Chantilly Lace paint, and pristine walls create a fresh, polished feel. The gourmet kitchen features quartz countertops and a 36-inch cooktop. An extra-long driveway provides abundant parking, while the garage offers an EV charger and SafeRacks storage. Flexible spaces provide options for a home office, playroom or additional living area, plus an upstairs bedroom/loft. Enjoy highly regarded Fernandina Beach schools, close proximity to Amelia Island beaches and historic downtown, and convenient access to Jacksonville International Airport.
What to check on this one
- Verify flood zone designation with Nassau County Property Appraiser—obtain elevation certificate if AE/VE.
- Confirm builder warranty coverage details and transfer eligibility to new owner.
- Review HOA covenants for rental restrictions and any special assessments planned.
- Inspect EV charger specifications and installation/warranty documentation.
- Confirm all builder-grade systems (HVAC, water heater, appliances) are under warranty.
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 $356,000 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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 6:40 AM.
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