$399,000
96291 RIDGEWOOD Circle, Fernandina Beach, FL 32034
Lofton Point
- Price
- $399,000
- Beds / Baths
- 3 / 2
- Living area
- 1,853 sqft
- Year built
- 2003
- Type
- Residential
- Lot
- 0.16 ac
- Garage
- 2
- HOA
- $52/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 0
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home. Featuring a desirable split-bedroom floor plan. This home offers both functionality and privacy, making it ideal for families, first-time buyers, or those looking for a move-in-ready home. One of the biggest highlights is the peace of mind that comes with major systems being less than 5 years old, including the roof. With these important updates already taken care of, you can spend less time worrying about maintenance and more time enjoying your new home. Located in a convenient Fernandina Beach location, you'll be close to shopping, schools, major interstate access, and the beautiful Amelia Island beaches. This is a great opportunity to own a well-maintained home in a desirable area with major components already updated. Schedule your showing today!
What to check on this one
- Verify roof age documentation—listing claims <5 years; confirm with roofer invoice or warranty.
- Obtain flood zone map from FEMA/county; unknown status requires elevation certificate if AE/VE.
- Request HOA docs: bylaws, financials, reserve study, any pending assessments beyond $52/mo.
- Confirm HVAC, water heater, plumbing system age and service records match listing claims.
- Order 4-point inspection (roof, plumbing, electrical, HVAC) for homeowner's insurance quote baseline.
- Pull county property appraiser record for any code violations, lien, or title issues.
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 $319,200 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 IRON VALLEY REAL ESTATE NORTH FLORIDA. Data via realMLS (Northeast Florida MLS), updated Sep 3, 2026, 8:06 PM.
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