92648 Shipton Ln, Fernandina Beach, FL, 32034
About This Home
Step into STYLE, SPACE, and FLEXIBILITY with this beautifully designed 5-bedroom, 4-bathroom home that truly checks every box! From the moment you enter, you’ll appreciate the thoughtful layout featuring a private office with FRENCH DOORS, an upstairs versatile FLEX SPACE, and a convenient downstairs bedroom with a full bath, perfect for guests or multi-generational living. The HEART of the home showcases a stunning white kitchen complete with Stainless Steel appliances, SOFT-CLOSE cabinetry and drawers, additional storage under the island, and seamless flow into the main living areas adorned with Wood-Look Beachwood Tile. Plantation blinds throughout add a polished, move-in-ready touch. Upstairs, you’ll find a spacious LOFT ideal for a media room, playroom, or second living area, along with generously sized bedrooms featuring cozy carpet. The primary suite is a true RETREAT, offering double vanities, a walk-in GLASS shower, and oversized closet, and a luxurious SOAKING TUB. Outdoor living shines with a fully FENCED backyard (8-foot rear fence for added privacy), a pavered and screened extended LANAI, plus an additional open paver patio—perfect for entertaining or relaxing. Enjoy your own backyard garden OASIS with lime and banana tree, rosemary, milkweed, and birds of paradise. Additional highlights include a 3-car garage, large under-stair storage closet, laundry room with cabinets and folding station, and durable Hardie Board siding. Located in a community with a POOL and NO CDD fees, this home offers the perfect blend of comfort, function, and lifestyle just minutes from historic Downtown Fernandina and the pristine Amelia Island Beaches. Don’t miss your opportunity to make it yours!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2023
Materials
- Roof: Shingle
- Construction materials: Fiber Cement
Other
- Builder name: Taylor Morrison
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Oven,Refrigerator,Stove
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- Ceiling Fan(s),Cable TV,Window Treatments
- Window features: Aluminum Frames,Blinds
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,178
- Total interior livable area: 3,178 sqft
Property
Details
- Parcel number: 392N28014100250000
- Zoning: PUD
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Rear Porch,Brick,Patio,Screened
- Exterior features: Fence,Fruit Trees,Sprinkler/Irrigation
Lot
- Lot size: 10,842 sqft
- Lot size dimensions: 120 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 | $888 | $10,656 |
| Electricity | $319 | $3,837 |
| Total | $5,113 | $61,356 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-03 | Listed for sale | $685,000 |
| 2023-08-29 | Sold | $603,652 |
| 2023-07-01 | Pending sale | $612,652 |
| 2023-05-18 | Price change | $612,652 |
| 2023-02-22 | Listed for sale | $622,652 |
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