96233 MONTEGO BAY Fernandina Beach, FL $ 799,000
96233 MONTEGO BAY
$ 799,000
Recently Listed
Share Save

96233 MONTEGO BAY

Fernandina Beach, FL, 32034
$ 799,000
Bedrooms4 Baths2.0 Sq 1,984

Monthly Estimate*

$ 4,920

96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 1
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 2
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 3
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 4
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 5
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 6
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 7
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 8
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 9
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 10
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 11
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 12
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 13
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 14
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 15
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 16
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 17
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 18
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 19
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 20
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 21
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 22
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 23
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 24
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 25
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 26
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 27
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 28
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 29
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 30
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 31
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 32
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 33
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 34
96233 MONTEGO BAY, Fernandina Beach, FL 32034 - Image 35

Single Family Home for sale in Fernandina Beach, FL

for $799,000 with 4 bedrooms and 2 full baths. This 1,984 square foot home was built in 2004 on a lot size of 0.22.

Move-in ready POOL home on Amelia Island, perfectly positioned, just minutes by bike or golf cart to the beach and historic downtown Fernandina can be used as short-term rental! Built in 2004 and meticulously maintained, this home checks every box for island living at any stage of life, and with a relaxed HOA and county taxes, it is approved for short-term rentals, making it an exceptional investment opportunity as well. The River-to-Sea Trail is right nearby, making the beach instantly more accessible. The bright, open living area features cherry laminate floors and flows seamlessly to your private backyard oasis, complete with a saltwater pool, built-in bench, refreshment table, and soothing fountain. The fully screened enclosure and fully fenced yard make it ideal for kids, pets, or simply relaxing in total privacy. Major systems have been updated including a new roof (2021), newer HVAC and water heater (according to previous homeowner), updated irrigation, and gutters over the outdoor porches. The guest bath and most of kitchen have been renovated in the last 2 years. Hurricane shutters on the front provide added peace of mind, and a termite bond is in place. A water softener in the garage (never used by current owners) is ready for the next owner. Located in a quiet, established neighborhood that is central to everything the island offers, this home delivers the full Amelia Island lifestyle without compromise. You will not find a better deal for all this home has to offer on-island.

See more

Single Family Active

Price

$ 799,000

Bedrooms

4

Full Bath

2

Property Type

Single Family

Taxes

$ 0

Style

Single Family Residence

Lot Size

0.22

Year Built

2004

Town/City

Fernandina Beach

County/Region

Nassau

MLS | Web ID

2142706

Features
General
Heating Central Heat Pump
Cooling Central Air Electric
Utilities Cable Available Electricity Available Sewer Available Water Available
Possession Close Of Escrow
Appliances Dishwasher Dryer Electric Cooktop Electric Oven Refrigerator Washer Water Softener Owned
HOA Fee 523.0
Garage Spaces 2.0
Pool Features In Ground Fenced Salt Water
Year Built 2004
Stories Count 1
Property Subtype Single Family Residence
Current Use Residential Single Family
Parcel Number 000030031500530000
Assoc Fee Paid Per Annually
County Nassau
New Construction 0
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name Isleworth
Garage Y/N Y
Total Rooms 0
Full Baths 2
Status Active
Directions From A1A/200 turn right onto Sadler turn right onto 14th turn left into Islesworth turn right on Montego Bay and home is on right.
City Fernandina Beach
Senior Community Y/N N
MLS Area 450-Amelia Island-North Of Burney Road
Lot Size Units Acres
Lot Size Square Feet 9583.2
Carport Y/N N
Listing Terms Cash Conventional
Property Attached Y/N N
Home Warranty Y/N N
Lease Renewal Y/N N
MLS Area Minor 450-Amelia Island-North Of Burney Road
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Active
Cash True
Conventional True
Accessory Dwelling Unit Y/N N
Water Body Access Y/N None
CDD N
See more
Exterior
Parking Features Garage
Water Source Public
Lot Size Area 0.22
Spa N
Lot Size Acres 0.22
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
See more
Interior
Total Fireplaces 1
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Half Baths 0
Total Bedrooms 4
Total Baths 2
See more
Internal Only
Street Number 1 96233
See more
* Excluded Features
List By
Fernandina Beach Realty

Broker

kelli@homesinameliaisland.com

Email

Affordability Calculator

$4,920
Per Month
100%
0%
0%
Monthly Principal & Interest
$4,920
Monthly Property Taxes
--
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save

Discover how much house you can afford

Your dream home may be within reach.

Learn More about how to save

The time to sell is now
THE TIME TO SELL IS NOW! What's my home worth?
Nearby
308105 Elementary School
308138 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
4/30/2026$799,000 Listed Price

Map


See all

96233 MONTEGO BAY, Fernandina Beach, FL, 32034 is a Single Family Home for sale at $799,000 with 1,984 sqft and a lot size of 0.22. 96233 MONTEGO BAY has 4 bedrooms, 2.0 baths, and was built in 2004. The property's zip code is 32034 which is in Fernandina Beach, FL