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$849,000

Listing Price

4beds

2baths

2,266sqft

10,328sqft lot

96046 Montego Bay, Fernandina Beach, FL 32034

Member Features

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  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

New Listing

Off Market

Single Family

Home type

365.53

Price / sqft

2005

Year built

Home Details

Live the best of coastal Amelia Island living with golf, beach days, and downtown just minutes away! This beautifully maintained home at 96046 Montego Bay offers an ideal location near three incredible golf courses, Amelia Island’s beautiful beaches, and historic downtown Fernandina Beach—easily accessible by golf cart. Set against a peaceful, private lake backdrop and wooded views, this home offers the perfect blend of comfort, convenience, and relaxed Florida living. Inside, thoughtful custom touches add both character and functionality. The kitchen features custom cabinetry, pull-out shelving, and abundant storage, while additional cabinetry above the washer and dryer and built-in drawers maximize everyday organization. The den is a standout space with custom built-ins flanking the propane fireplace, a beautiful marble-tile surround, and a custom mantle. Architectural details throughout include custom foyer columns, widened baseboards, and a tray ceiling in the primary suite. The extended back porch and outdoor spaces provide plenty of room to enjoy the peaceful natural setting, with a tiled covered porch and expanded paver area. The widened paver driveway adds curb appeal and convenience. The home also conveys with two refrigerators, an upright deep freezer, two solar attic fans, and a water softener, offering exceptional storage and functionality. With \an unbeatable location close to golf, the beach, and downtown Fernandina Beach, this is a wonderful opportunity to enjo

Interior Details

Square Feet
  • 2266

Bedrooms
  • 4

Bathrooms
  • 2

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Forced Air With Air Conditioning

Cooling
  • Has Cooling:

    Yes

  • Cooling Type:

    Central

Fuel
  • Has Fuel:

    No

  • Fuel Type:

    N/A

Basement
  • Has Basement:

    No

  • Basement Type:

    N/A

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    Carpet

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 10328

Water
  • No

Sewer
  • No

Parking
  • Type:

    Garage, Attached

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    0

Deck
  • No

Patio
  • No

Fence
  • No

Pool
  • No

Porch
  • Yes

Stoop
  • No

Breezeway
  • No

Construction Details

Number of Stories
  • 1

Style
  • N/A

Exterior
  • Other (not Classified)

Foundation
  • N/A

Roof
  • Gable/hip

Roofing Material
  • Metal

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$3,750

$0

$0

--%

$272,411

2019

$3,698

$0

$0

--%

$266,286

2018

$3,662

$0

$0

--%

$261,321

2017

$3,334

$0

$0

--%

$255,946

2016

$3,302

$0

$0

--%

$250,682

2014

$3,323

$0

$0

--%

$246,963

2013

$2,916

$78,750

$114,357

--%

$193,107

2012

$2,962

$0

$0

--%

$193,716

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Average Home Price in 32034

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4 Beds

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$585,000

3 Beds

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Sold 10/13/2026

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3 Beds

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Sold 10/13/2026

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Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
849,000
$
Down payment
169,800
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
5,094
$
HOA (Monthly)
0
$
PMI
0
$
$5,496
Your Payment
Total Monthly Payment:$5,496
Percent of Income:94%
Affordable:No

Details for 96046 MONTEGO BAY

Property Debt

Foreclosure Contact Details