For sale · listed Oct 17, 2026
$849,000
4 bd2 ba2,266 sq ft
96046 MONTEGO BAY, Fernandina Beach, FL 32034
Home in Fernandina Beach
Est. $5,090/mo · See the estimate
Listing courtesy of FERNANDINA BEACH REALTY
Overview
- Home typeHouse
- Full baths2
- Year built2005
- Lot0.24 acres
- Price per sq ft$375
- HOA$450 (annually)
- Garage2 spaces
- Days on market0
- SubdivisionIsleworth
- MLS #2169672
What's special
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.
Facts & features
Interior
- Accessibility Features
- No
- Appliances
- Disposal, Dishwasher, Electric Oven, Electric Range, Microwave, Refrigerator, Water Softener Owned
- Fireplace
- Yes
- Fireplace Features
- Other
- Fireplaces Total
- 1
- Flooring
- Carpet, Tile, Wood
- In-law suite (accessory dwelling unit)
- No
- Laundry Features
- In Unit
- Levels
- One
Pool, water & view
- Pool Private
- No
- View
- Lake
Exterior & lot
- Architectural Style
- Traditional
- Construction Materials
- Brick Veneer, Other, Composition Siding
- Lot (sq ft)
- 10,454.4
- Lot Features
- Many Trees
- Patio And Porch Features
- Front Porch, Rear Porch
- Roof
- Shingle
- Stories
- 1
- Zoning
- Residential
Parking
- Attached Garage
- No
- Carport
- No
- Garage
- Yes
- Parking Features
- Garage Door Opener
Heating, cooling & utilities
- Cooling
- Central Air
- Heating
- Central
- Sewer
- Public Sewer
- Utilities
- Cable Available, Electricity Available, Sewer Available, Water Available
- Water source
- Public
Schools
- Elementary School
- Southside
- High School
- Fernandina Beach
- Middle Or Junior School
- Fernandina Beach
Community & HOA
- Association Fee Includes
- Other
- CDD fee
- No
- Community Features
- Street Lights
- Homestead
- Yes
Taxes & financing
- Tax year
- 2025
- Yearly property tax
- $4,199
Other
- Current Use
- Single Family
- Possession
- Close Of Escrow
- Property Attached
- No
Location
Monthly payment estimate
$5,090 per month
Estimate only, not a loan offer. The rate is this week's U.S. average for a 30-year fixed loan (Freddie Mac PMMS, week of 2026-10-15). Your rate, taxes, insurance and costs will differ. Talk with a licensed lender for real numbers.
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