About This Home

This 4-bedroom, 3-bathroom single family at 96004 MONTEGO BAY in Fernandina Beach, FL is listed for $725,000 ($322 per sqft). Built in 2004, the home offers 2,250 sqft of living space on a 0.24 acres lot.

Key Features

  • Built in 2004
  • 0.24 acre lot
  • 2 stories
  • Fireplace

Property Details

2 stories
3 full
2-car garage
2004

Amenities

FireplaceA/C
Listing Description

Stunner alert! Discover exceptional value centrally located on Amelia Island and minutes from island beaches, where generous living spaces, thoughtful updates, and an enviable location come together in one remarkable offering. Privately situated on a quiet cul-de-sac overlooking a tranquil pond, this beautifully renovated residence presents an opportunity to enjoy the island lifestyle without compromising space or quality.

Extensively refreshed, the home showcases new Pergo and porcelain tile flooring, fresh interior and exterior paint, updated lighting and ceiling fans, new bathroom fixtures, new stainless appliances, and enhanced landscaping, and a roof newly installed in 2022.

Timeless finishes, including granite countertops and a gas fireplace anchoring the family room, create warm and inviting spaces designed for both everyday living and effortless entertaining. Offering four bedrooms and three full bathrooms, the flexible floor plan easily adapts to today's lifestyle.

A main-level bedroom with pond views as well as a formal living room with French doors provide ideal spaces for a private home office, library, fitness room, or guest suite. Upstairs are the master bedroom with pond views and ensuite bathroom with whirlpool tub, plus two more bedrooms that share a bathroom.

Outdoors, the screened lanai overlooks an expansive backyard and peaceful pond, creating the perfect setting for morning coffee, evening gatherings, or simply enjoying the natural beauty that surrounds you. Combining generous square footage, modern updates, and proximity to Amelia Island's renowned beaches, dining, shopping, and recreation, this residence offers an exceptional opportunity to experience coastal living at an outstanding value.

Monthly Cost Estimate

$4,400/mo

20% down · 6.5% · 30 years

Principal$524
Interest$3,142
Insurance$211
HOA$523

Estimates only. Actual payments may vary.

Location

96004 MONTEGO BAY

Fernandina Beach, FL 32034

Islesworth

Features & Amenities

Interior Features

FireplaceCeiling FansGarage Door OpenerIce MakerCable TV Available

Exterior Features

Sprinkler System

Property Details

Construction

Stucco Over Frame

Parking

Garage

Heating

Electric (Heating)Central

Cooling

Central AirElectric

Appliances

RefrigeratorStoveMicrowaveDishwasherDisposal

Questions & Answers

This 4-bedroom, 3-bathroom single family at 96004 MONTEGO BAY is listed at $725,000 ($322/sqft). The estimated monthly payment is $4,400 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $523/month.

Key features include: Built in 2004, 0.24 acre lot, 2 stories, Fireplace. Interior Features: Fireplace, Ceiling Fans, Garage Door Opener. Exterior Features: Sprinkler System.

This property is listed by Melissa Ricks.

MR

Melissa Ricks

Agent at Keller Williams Realty Atlantic Partners-Nassau county

Listed by Keller Williams Realty Atlantic Partners-Nassau county · Broker phone: (904) 261-9800 · View on Broker Site

MLS# 116932· Source: Amelia Island-Nassau County Association of Realtors· 82 days on PropertySimple

Copyright © 2026 Amelia Island-Nassau County Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

96004 MONTEGO BAY, Fernandina Beach, FL 32034

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