96046 MONTEGO BAY Fernandina Beach, FL $ 849,000
96046 MONTEGO BAY
$ 849,000
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96046 MONTEGO BAY

Fernandina Beach, FL, 32034
$ 849,000
Bedrooms4 Baths2.0 Sq 2,266

Monthly Estimate*

$ 5,864

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Single Family Home for sale in Fernandina Beach, FL

for $849,000 with 4 bedrooms and 2 full baths. This 2,266 square foot home was built in 2005 on a lot size of 0.24.

Live the best of coastal Amelia Island living with golf, beach days, and downtown just minutes away! This beautifully maintained 4-bedroom home at 96046 Montego Bay is ideally located near three incredible golf courses, Amelia Island's beaches, and historic downtown Fernandina Beach—easily accessible by golf cart. Enjoy peaceful lake and wooded views from the extended back porch and expanded paver patio. Inside, thoughtful custom details include kitchen cabinetry with pull-out shelving, added laundry storage, and custom built-ins surrounding the propane fireplace in the den, complete with marble tile and a custom mantle. Additional highlights include custom foyer columns, widened baseboards, a tray ceiling in the primary suite, and a widened paver driveway. The home also conveys with two refrigerators, an upright deep freezer, and a water softener. A wonderful opportunity to enjoy easy one-story living with four bedrooms in an unbeatable Amelia Island location.

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Single Family Active

Price

$ 849,000

Bedrooms

4

Full Bath

2

Property Type

Single Family

Taxes

$ 4,199

Style

Traditional

Lot Size

0.24

Year Built

2005

Town/City

Fernandina Beach

County/Region

Nassau

MLS | Web ID

2169672

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Cable Available Electricity Available Sewer Available Water Available
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher Disposal Electric Oven Electric Range Microwave Refrigerator Water Softener Owned
HOA Fee 450.0
Garage Spaces 2.0
Association Fee Includes Other
Patio/Porch Features Front Porch Rear Porch
Architectural Style Traditional
Construction Materials Other Brick Veneer Composition Siding
Year Built 2005
View Lake
Stories Count 1
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Current Use Single Family
Parcel Number 000030031500300000
Community Features Street Lights
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 Take I-95 N or South to Exit 373 (FL-200/A1A E) toward Fernandina Beach. Continue approximately 11 miles then turn right on Amelia Rd right on Robinhood Dr right on S 14th St and enter Islesworth Dr
High School Fernandina Beach
City Fernandina Beach
Senior Community Y/N N
Zoning Description Residential
MLS Area 450-Amelia Island-North Of Burney Road
Lot Size Units Acres
Lot Size Square Feet 10454.4
Carport Y/N N
Listing Terms Cash Conventional FHA VA Loan
Elementary School Southside
Property Attached Y/N N
Tax Annual Amount 4199.17
Home Warranty Y/N N
Middle/Junior High School Fernandina Beach
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
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Interior
Flooring Carpet Tile Wood
Total Fireplaces 1
Fireplace Features Other
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Half Baths 0
Laundry Features In Unit
Total Bedrooms 4
Entry Level 1
Total Baths 2
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Exterior
Parking Features Garage Door Opener
Lot Features Many Trees
Water Source Public
Lot Size Area 0.24
Spa N
Lot Size Acres 0.24
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 96046
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* Excluded Features
List By
Fernandina Beach Realty

Broker

sarahchancey.era@gmail.com

Email

Affordability Calculator

$6,214
Per Month
94%
6%
0%
Monthly Principal & Interest
$5,864
Monthly Property Taxes
$350
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 7.375% 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.
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Nearby
470989 Elementary School
308410 Middle School
Fernandina Beach High School High School
Pricing History
DatePricePrice ChangeDescription
10/16/2026$849,000 Listed Price

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96046 MONTEGO BAY, Fernandina Beach, FL, 32034 is a Single Family Home for sale at $849,000 with 2,266 sqft and a lot size of 0.24. 96046 MONTEGO BAY has 4 bedrooms, 2.0 baths, and was built in 2005. The property's zip code is 32034 which is in Fernandina Beach, FL