95045 Bermuda Dr, Fernandina Beach, FL, 32034
About This Home
Located within the gated Amelia National community, this single-story home sits on an oversized .38-acre lot with a private conservation backdrop, offering a peaceful setting with no rear neighbors. Inside, you'll find 10-foot ceilings, crown molding, and 18-inch tile throughout the main living areas. The kitchen is both functional and inviting, featuring quartz countertops, 42-inch cabinets, stainless steel appliances, a gas range, and custom glass-front accents. The open layout connects seamlessly to the living and dining spaces, making it easy to entertain or simply enjoy everyday living. The primary suite includes a spacious walk-in closet, dual vanities, and a well-appointed bath. A flexible bonus room can serve as a home office, fitness room, media room, or even a fourth bedroom depending on your needs. Out back, the covered lanai overlooks protected conservation land, creating a quiet outdoor space to relax, dine, or gather with friends and family. The oversized garage offers plenty of room for vehicles, storage, and a golf cart. Residents of Amelia National enjoy access to a newly updated Tom Fazio-designed golf course, along with a private clubhouse, resort-style pool, tennis courts, and fitness amenities, all just a short walk away. A lifestyle membership to Amelia National Golf & Country Club is required. With a spacious lot, flexible floor plan, and one of the more private settings in the community, this home offers a great opportunity to enjoy everything Amelia National has to offer.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2006
Materials
- Roof: Shingle
- Construction materials: Frame,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: One Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Some Gas Appliances,Dryer,Dishwasher,Disposal,Microwave,Refrigerator,Water Softener Owned,Stove,Washer,Ice Maker
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- Partial bathrooms: 1
Features
- Ceiling Fan(s),French Door(s)/Atrium Door(s),Split Bedrooms,Cable TV,Vaulted Ceiling(s)
- Door features: French Doors
- Window features: Insulated Windows
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,371
- Total interior livable area: 2,371 sqft
Property
Details
- Parcel number: 262N28006A00420000
- Zoning: PUD
- Special condition: None
Features
- Levels: One
- Stories: 1
- Pool features: Community
- Patio & porch: Rear Porch,Screened
- Exterior features: Sprinkler/Irrigation
- Frontage type: Preservation
Lot
- Lot size: 0.38 Acres
- Lot size dimensions: .3755
Parking
- Total spaces: 2
- Parking features: Two Car Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- 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 | $3,109 | $37,308 |
| Home Insurance * | $397 | $4,764 |
| Property Taxes | $115 | $1,380 |
| Electricity | $238 | $2,863 |
| Total | $3,859 | $46,308 |
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 |
|---|---|---|
| 2026-07-20 | Listed for sale | $615,000 |
| 2026-07-12 | Pending sale | $615,000 |
| 2026-07-04 | Listed for sale | $615,000 |
| 2026-07-04 | Pending sale | $615,000 |
| 2026-05-30 | Price change | $624,900 |
| 2026-05-30 | Listed for sale | $615,000 |
| 2026-05-29 | Listing removed | $624,900 |
| 2026-05-01 | Price change | $624,900 |
| 2026-02-15 | Price change | $639,000 |
| 2026-01-06 | Listed for sale | $649,900 |
| 2022-12-02 | Listed for rent | $3,300 |
| 2022-05-11 | Sold | $530,000 |
| 2022-03-28 | Pending sale | $549,000 |
| 2022-03-04 | Listed for sale | $549,000 |
| 2021-06-18 | Sold | $419,000 |
| 2021-03-16 | Listing removed | -- |
| 2021-03-14 | Listed for sale | $423,000 |
| 2009-05-22 | Listing removed | $309,000 |
| 2009-05-04 | Listed for sale | $309,000 |
| 2009-01-27 | Listing removed | $329,000 |
| 2008-11-18 | Listed for sale | $329,000 |
| 2006-07-03 | Sold | $369,500 |
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