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95111 Sea Hawk Pl, Fernandina Beach, FL, 32034

4beds
5baths
2,800sqft
$849,900
$304price/sqft
$5,644/moest. monthly cost
$225,760/yrincome needed

About This Home

Nearly 3,000 sq ft of beautifully crafted new construction in a charming, established neighborhood with no HOA or CDD fees. Ideally located near the Intracoastal Waterway and just minutes from Fernandina Beach and Amelia Island beaches, dining, and entertainment. Thoughtfully designed with an open-concept layout, this home showcases luxury finishes throughout, including high-end materials, designer details, and quality craftsmanship. Enjoy a spacious three-car garage and an oversized .5-acre lot with ample room for a pool and entertaining space. Includes a comprehensive home warranty for added peace of mind—offering the perfect blend of modern living and coastal convenience. FINISHED PHOTOS ARE OF MODEL HOME. THIS HOME IS UNDER CONSTRUCTION.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
6/10
Fernandina Beach High SchoolGrades PK,3,8-123.9 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dishwasher,Disposal,Microwave,Oven,Stove

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • Partial bathrooms: 1

Features

  • Window features: Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 463N28507F00240000
  • Zoning: RES
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.50 Acres
  • Lot size dimensions: .5 ACRE

Parking

  • Total spaces: 3
  • Parking features: Three Car Garage,Three or more Spaces
  • 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
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Lightning
Wildfire
Hurricane
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Nassau County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $4,297$51,564
Home Insurance *$549$6,588
Property Taxes $517$6,204
Electricity $281$3,381
Total$5,644$67,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$193,508/yr
40% on housing$169,320/yr
45% on housing$150,506/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$304This listing

vs Other Active Listings

Avg $/sqft

ZIP 32034$414
Nassau County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 32034$303
Nassau County$223

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

DateEventPrice
2026-04-17Listed for sale$849,900

New Construction

AgentBen Morrissey
BrokerageSOUTHEAST ATLANTIC REALTY

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