For sale · listed Oct 22, 2026
$675,000
3 bd2 ba1,760 sq ft1.32 acres
96015 MONTEREY Street, Fernandina Beach, FL 32034
Home on a marsh in Fernandina Beach
Est. $4,046/mo · See the estimate
Listing courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
Overview
- Home typeHouse
- Full baths2
- Year built1985
- Lot1.32 acres
- Price per sq ft$384
- HOANone
- Garage2 spaces
- Days on market0
- SubdivisionNassau
- MLS #2170477
On the water
The listing says this home is on a marsh. Its water is not mapped yet: Deedlio's water map covers the Clay County area for now, so there is no water body name or boat access to show. See "Pool, water & view" below for what the listing says.
What's special
Imagine marsh mornings, coastal birds, dolphins in the distance, and sunset skies painted pink. Tucked at the end of a quiet road, this 1.32-acre retreat offers privacy and waterfront charm. Inside, soaring ceilings, a stacked stone fireplace, and expansive windows fill the two-story great room with light and marsh views. An open kitchen and dining area, sunroom, two main-level bedrooms, hall bath, mudroom, and two-car garage add convenience. Upstairs, the primary suite opens to a scenic deck. Enjoy fishing, kayaking, paddleboarding, and wildlife from your backyard. A tidal creek dock, covered boat storage, shed, and walk-in attic add versatility. With great bones and room for your vision, the setting is already here. The possibilities are yours. Waterfront access is tidal. Boating from the existing dock would require a boat lift. Buyers should verify water depths, navigability, tidal conditions, and permitting for a lift or intended waterfront use. There's something special about a home where nature becomes part of your everyday scenery. From the oversized great room windows to the upstairs deck, the ever-changing coastal landscape provides a beautiful backdrop throughout the day. Watch the tides roll in and out, enjoy the afternoon sunshine pouring through the windows, and settle in for spectacular sunsets over the marsh. The peaceful setting offers a rare sense of seclusion, with mature trees shading the front lawn and an expansive backyard opening toward the water. Whether you're entertaining friends, enjoying a quiet morning with coffee, or dreaming up your next home improvement project, there's plenty of space to make this property your own. While the home offers opportunities for cosmetic updates and personal touches, its unique setting, natural beauty, and waterfront lifestyle are what make this opportunity so special.
Facts & features
Interior
- Accessibility Features
- No
- Appliances
- Dryer, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned
- Fireplace
- Yes
- Fireplaces Total
- 1
- In-law suite (accessory dwelling unit)
- No
- Interior Features
- Ceiling Fan(s), Entrance Foyer, Open Floorplan, Vaulted Ceiling(s), Walk-In Closet(s), Primary Bathroom - Shower No Tub
- Laundry Features
- Lower Level
- Levels
- One and One Half
Pool, water & view
- Pool Private
- No
- View
- Water
- Waterfront Features
- Navigable Water, Marsh
Exterior & lot
- Architectural Style
- Other
- Construction Materials
- Frame
- Exterior Features
- Balcony, Dock, Fire Pit
- Fencing
- Other
- Lot (sq ft)
- 57,499.2
- Lot Features
- Wooded, Dead End Street
- Other buildings
- Shed(s)
- Patio And Porch Features
- Covered, Deck, Glass Enclosed, Patio, Porch, Rear Porch
- Road surface
- Dirt
- Roof
- Shingle
- Stories
- 2
Parking
- Attached Garage
- Yes
- Carport
- No
- Garage
- Yes
- Parking Features
- Attached, Garage, Garage Door Opener, RV Access/Parking
Heating, cooling & utilities
- Cooling
- Central Air, Electric
- Heating
- Central, Electric, Heat Pump
- Sewer
- Septic Tank
- Utilities
- Cable Available, Electricity Connected, Water Available
- Water source
- Well
Schools
- Elementary School
- Emma Love Hardee
- High School
- Fernandina Beach
- Middle Or Junior School
- Fernandina Beach
Community & HOA
- CDD fee
- No
- Homestead
- Yes
- Rental Restrictions
- No Minimum
Taxes & financing
- Tax year
- 2025
- Yearly property tax
- $4,038
Other
- Current Use
- Residential
- Direction Faces
- East
- Furnished
- Unfurnished
- Possession
- Close Of Escrow
- Property Attached
- No
- Property Condition
- Fixer
- Water Body Access Type
- Owned
Location
Monthly payment estimate
$4,046 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 2026-10-22). Your rate, taxes, insurance and costs will differ. Talk with a licensed lender for real numbers.
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