92954 Cheltenham Ln, Fernandina Beach, FL, 32034
About This Home
This beautifully designed home offers refined coastal living in the highly sought-after Kingsley Creek community of Fernandina Beach, just a few stoplights away from the beaches of Amelia Island. 5 bedrooms, 4 full baths + a dedicated office and bonus room. LOW HOA. NO CDD. Natural gas. Resort-style amenities. The home home showcases a bright, open-concept layout with neutral tones and abundant natural light. The gourmet kitchen anchors the main living space with gas cooking, quartz countertops, stainless steel appliances, and classic subway tile, flowing seamlessly into the dining area and breakfast bar—ideal for everyday living and entertaining. The thoughtfully designed floor plan includes a main-level guest suite and private office with French doors, while the owner’s suite, additional bedrooms, laundry room, and a spacious bonus room located conveniently upstairs. Every bedroom offers generous closets, providing exceptional storage and flexibility. The owner’s suite overlooks a large backyard with views of preserved natural land and features a spa-inspired bath with a frameless glass shower and deep soaking tub. Outdoor living shines with a screened lanai featuring upgraded no-see-um screening. Additional highlights include a 2+ car garage with a dedicated golf cart bay and tasteful landscaping. Kingsley Creek residents enjoy a resort-style pool, all conveniently located near historic downtown Fernandina Beach, fine dining, shopping, outdoor recreation, top-rated healthcare, and Jacksonville International Airport. Coastal convenience, thoughtful design, top-tier schools, and exceptional value—this home truly checks all the boxes.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2022
Materials
- Roof: Shingle
- Construction materials: Fiber Cement,Frame
Other
- Builder name: Taylor Morrison
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Some Gas Appliances,Dishwasher,Disposal,Microwave,Refrigerator,Stove
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- French Door(s)/Atrium Door(s),Window Treatments
- Door features: French Doors
- Window features: Insulated Windows,Blinds,Drapes
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,207
- Total interior livable area: 3,207 sqft
Property
Details
- Parcel number: 392N28014100140000
- Zoning: PUD
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Rear Porch,Brick,Covered,Patio,Screened
- Exterior features: Sprinkler/Irrigation
- Frontage type: Preservation
Lot
- Lot size: 0.27 Acres
- Lot size dimensions: 130 x 90
Parking
- Total spaces: 3
- Parking features: Three Car Garage,Three or more Spaces,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Lightning
- Wildfire
- Hurricane
- Heat Wave
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Nassau County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,463 | $41,556 |
| Home Insurance * | $443 | $5,316 |
| Property Taxes | $784 | $9,408 |
| Electricity | $322 | $3,872 |
| Total | $5,012 | $60,144 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-10 | Price change | $685,000 |
| 2026-02-23 | Price change | $690,000 |
| 2026-02-03 | Listed for sale | $719,000 |
| 2025-03-26 | Listing removed | $735,000 |
| 2025-02-27 | Price change | $735,000 |
| 2025-02-25 | Price change | $749,000 |
| 2025-02-04 | Price change | $765,000 |
| 2025-01-09 | Listed for sale | $780,000 |
| 2022-11-23 | Sold | $634,369 |
| 2022-03-11 | Pending sale | $634,369 |
| 2022-03-01 | Price change | $634,369 |
| 2022-02-26 | Price change | $631,124 |
| 2022-02-18 | Listed for sale | $621,124 |
For Sale by Agent
View on Zillow