# 96004 MONTEGO BAY, Fernandina Beach, FL 32034 > **TL;DR:** 4bd/3ba single family, $725,000 ($322/sqft), built 2004, 2,250 sqft. > Fireplace, A/C, 2-car garage. Est. $4,400/mo. Listed 83 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $725,000 | | Price/sqft | $322 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,250 | | Year Built | 2004 | | Lot Size | 10,537 sqft (0.24 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 83 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,666 | | Estimated Insurance | $211 | | HOA | $523 | | **Total** | **$4,400** | ## Key Amenities - Fireplace - A/C - 2-car garage ## Property Highlights - Built in 2004 - 0.24 acre lot - 2 stories - Fireplace ## Description ### Agent 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. ## Location - **Address:** 96004 MONTEGO BAY, Fernandina Beach, FL 32034 - **County:** Nassau - **Neighborhood:** Islesworth - **Coordinates:** 30.63086, -81.452869 - **Google Maps:** https://www.google.com/maps?q=30.63086,-81.452869 ## Listing Agent - **Name:** Melissa Ricks - **Brokerage:** Keller Williams Realty Atlantic Partners-Nassau county - **Broker Phone:** (904) 261-9800 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/96004-Montego-Bay_Fernandina-Beach_FL_32034_M56634-78444?f=listhub&s=NCMLSFL&m=116932&c=propsimple) ## Photos ![96004 MONTEGO BAY - Photo 1](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2681953170r.jpg) ![96004 MONTEGO BAY - Photo 2](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2596700099r.jpg) ![96004 MONTEGO BAY - Photo 3](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f762577646r.jpg) ![96004 MONTEGO BAY - Photo 4](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f588613144r.jpg) ![96004 MONTEGO BAY - Photo 5](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3843034068r.jpg) ![96004 MONTEGO BAY - Photo 6](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2840699677r.jpg) ![96004 MONTEGO BAY - Photo 7](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f896865962r.jpg) ![96004 MONTEGO BAY - Photo 8](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f56819188r.jpg) ![96004 MONTEGO BAY - Photo 9](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3944289096r.jpg) ![96004 MONTEGO BAY - Photo 10](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3643965400r.jpg) ![96004 MONTEGO BAY - Photo 11](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1447446778r.jpg) ![96004 MONTEGO BAY - Photo 12](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f356036489r.jpg) ![96004 MONTEGO BAY - Photo 13](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3721010328r.jpg) ![96004 MONTEGO BAY - Photo 14](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1654085144r.jpg) ![96004 MONTEGO BAY - Photo 15](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2019084778r.jpg) ![96004 MONTEGO BAY - Photo 16](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2706698537r.jpg) ![96004 MONTEGO BAY - Photo 17](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3670154371r.jpg) ![96004 MONTEGO BAY - Photo 18](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3276119735r.jpg) ![96004 MONTEGO BAY - Photo 19](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3417790139r.jpg) ![96004 MONTEGO BAY - Photo 20](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3965114306r.jpg) ![96004 MONTEGO BAY - Photo 21](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2814110803r.jpg) ![96004 MONTEGO BAY - Photo 22](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f523126599r.jpg) ![96004 MONTEGO BAY - Photo 23](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f208577390r.jpg) ![96004 MONTEGO BAY - Photo 24](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3052686433r.jpg) ![96004 MONTEGO BAY - Photo 25](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f861048441r.jpg) ![96004 MONTEGO BAY - Photo 26](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1539367102r.jpg) ![96004 MONTEGO BAY - Photo 27](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2130001718r.jpg) ![96004 MONTEGO BAY - Photo 28](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3904833529r.jpg) ![96004 MONTEGO BAY - Photo 29](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3479001960r.jpg) ![96004 MONTEGO BAY - Photo 30](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2664782728r.jpg) ![96004 MONTEGO BAY - Photo 31](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1946915522r.jpg) ![96004 MONTEGO BAY - Photo 32](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1155506576r.jpg) ![96004 MONTEGO BAY - Photo 33](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1917508474r.jpg) ![96004 MONTEGO BAY - Photo 34](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f188139521r.jpg) ![96004 MONTEGO BAY - Photo 35](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1158385274r.jpg) ![96004 MONTEGO BAY - Photo 36](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1077606093r.jpg) ![96004 MONTEGO BAY - Photo 37](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1048888497r.jpg) ![96004 MONTEGO BAY - Photo 38](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1946184126r.jpg) ![96004 MONTEGO BAY - Photo 39](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f4077286610r.jpg) ![96004 MONTEGO BAY - Photo 40](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f652383461r.jpg) ![96004 MONTEGO BAY - Photo 41](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3029712952r.jpg) ![96004 MONTEGO BAY - Photo 42](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2260978495r.jpg) ![96004 MONTEGO BAY - Photo 43](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3483931044r.jpg) ![96004 MONTEGO BAY - Photo 44](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1169093320r.jpg) ![96004 MONTEGO BAY - Photo 45](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f4288902861r.jpg) ![96004 MONTEGO BAY - Photo 46](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f416991410r.jpg) ![96004 MONTEGO BAY - Photo 47](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2380791197r.jpg) ![96004 MONTEGO BAY - Photo 48](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f1907583766r.jpg) ![96004 MONTEGO BAY - Photo 49](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f305438122r.jpg) ![96004 MONTEGO BAY - Photo 50](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3243070741r.jpg) ![96004 MONTEGO BAY - Photo 51](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2134229739r.jpg) ![96004 MONTEGO BAY - Photo 52](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f4174808210r.jpg) ![96004 MONTEGO BAY - Photo 53](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f891122758r.jpg) ![96004 MONTEGO BAY - Photo 54](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2861723548r.jpg) ![96004 MONTEGO BAY - Photo 55](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f2446843023r.jpg) ![96004 MONTEGO BAY - Photo 56](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f3628097815r.jpg) ![96004 MONTEGO BAY - Photo 57](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f4228591419r.jpg) ![96004 MONTEGO BAY - Photo 58](http://lh.rdcpix.com/88ad51b5fe0727e2b8e66cb27cbd278al-f907033720r.jpg) --- **MLS#:** 116932 | **Updated:** 2026-10-27 **Source:** listhub *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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/96004-montego-bay-fernandina-beach-fl-32034-5cc430fb503a4015bf65735d06fbc8a3) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/96004-montego-bay-fernandina-beach-fl-32034-5cc430fb503a4015bf65735d06fbc8a3#listing", "url": "https://staging.propertysimple.ai/listing/96004-montego-bay-fernandina-beach-fl-32034-5cc430fb503a4015bf65735d06fbc8a3", "name": "96004 MONTEGO BAY, Fernandina Beach, FL 32034", "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. 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