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96066 Oak Canopy Ln, Fernandina Beach, FL, 32034

5beds
5baths
3,925sqft
$899,900
$229price/sqft
$6,592/moest. monthly cost
$263,680/yrincome needed

About This Home

Discover coastal living in the gated community of AMELIA RIVER WALK, situated just minutes from the beaches of Amelia Island. This luxurious CONCRETE BLOCK home is nestled amidst GRANDE OAK trees and boasts breathtaking LAKE VIEWS, offering an oasis of tranquility and beauty. The MASTER SUITE conveniently located on the FIRST FLOOR features a PRIVATE BATH with separate tub and shower, and two walk-in closets. The OPEN ISLAND KITCHEN comes complete with STAINLESS APPLIANCES, a stylish TILE BACKSPLASH, and BUTLER"S PANTRY. The wood burning FIREPLACE creates a cozy atmosphere for those cooler evenings. Three more bedrooms, loft and two full baths upstairs. The expansive, recently re-screened REAR LANAI with SALT POOL, TRAVERTINE DECK, OUTDOOR SHOWER, and a huge covered area provides the perfect retreat for relaxation & entertaining (recently replaced pool pump, filter, and salt cell). The home also includes a convenient POOL BATH and is adjacent to a second first floor bedroom, perfect for overnight guests! NEW SLIDER AND WINDOWS in the great room as well as NEW CARPET and INTERIOR and EXTERIOR PAINT, adding a touch of elegance throughout. Tankless water heater, roof replaced in 2021, new water softener and FENCED backyard. THREE CAR COURTYARD ENTRY GARAGE with a separate third bay and drive that makes a wonderful workshop or boat/golf cart storage. Extra JEA IRRIGATION METER ensures those water bills will stay low no matter how much you water your lawn! 96066 Oak Canopy Lane is more than just a home—it's a lifestyle. Embrace the luxury, tranquility, and convenience of living near Amelia Island, KINGS BAY NAVY BASE and the Jacksonville airport in this beautifully appointed home. FURNISHINGS also negotiable!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Fernandina Beach High SchoolGrades PK,3,8-124.5 mi
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Construction

Condition

  • Property condition: Resale
  • Year built: 2007

Materials

  • Roof: Shingle
  • Construction materials: Frame,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Microwave,Oven,Refrigerator,Water Softener Owned,Stove,Washer

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),French Door(s)/Atrium Door(s),Fireplace,Split Bedrooms,Storage,Shutters,Cable TV,Workshop,Window Treatments
  • Door features: French Doors
  • Window features: Insulated Windows,Vinyl,Blinds,Plantation Shutters
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,925
  • Total interior livable area: 3,925 sqft

Property

Details

  • Parcel number: 392N28068000520000
  • Zoning: RSF-1
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Private,Screen Enclosure
  • Patio & porch: Rear Porch,Covered,Open,Patio,Screened
  • Exterior features: Fence,Sprinkler/Irrigation

Lot

  • Lot size: 0.35 Acres
  • Lot size dimensions: IRREGULAR

Parking

  • Total spaces: 3
  • Parking features: Driveway,Three Car Garage,Three or more Spaces
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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 $4,550$54,600
Home Insurance *$582$6,984
Property Taxes $1,065$12,780
Electricity $395$4,740
Total$6,592$79,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,011/yr
40% on housing$197,760/yr
45% on housing$175,786/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

$229This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$899,900
2026-07-27Listed for sale$899,900
2024-12-30Sold$840,000
2024-11-14Pending sale$895,000
2024-11-06Price change$895,000
2024-10-01Price change$925,000
2024-07-26Price change$949,000
2024-06-25Listed for sale$975,000
2012-07-18Sold$440,000
2012-04-25Price change$468,000
2012-02-03Listed for sale$488,000
2008-06-17Sold$386,000

For Sale by Agent

AgentJason Collins
BrokerageCENTURY 21 MILLER ELITE

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