96180 MONTEGO BAY, Fernandina Beach, FL 32034 | MLS #116161 | Berkshire Hathaway HomeServices Florida Network Realty
Jennifer Lawrence

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Listing provided courtesy of ONE SOTHEBYS INTERNATIONAL REALTY- MLS# 116161MLS Provider

96180 MONTEGO BAYFernandina Beach, FL 32034

Single Family · 3 Beds · 2 Full Baths · 1,649 Sq. ft. | 0.20 Acres
$615,000 Active

96180 MONTEGO BAY Overview

Time on Site:
39 days
Visits:
0

Located in the quiet Islesworth subdivision of Fernandina Beach/Amelia Island, this well-maintained 3-bedroom, 2-bathroom home offers practical living in a prime location. Spanning a functional floor plan, the interior features a bright living area, a functional kitchen with solid counter space, and a private primary bedroom with an en-suite bath. Step outside to a spacious backyard, perfect for pets, children, or outdoor dining. The property also includes a two-car garage with plenty of room for vehicles and extra storage. Islesworth residents enjoy low HOA fees and a highly accessible location. You are just a short drive from Amelia Island’s 13 miles of public beaches, the shops and dining of historic downtown Fernandina Beach, and highly-rated local schools. With easy access to major roadways, the commute to Jacksonville International Airport is under 45 minutes. Perfect as a primary residence or a low-maintenance investment property.

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96180 MONTEGO BAY Facts & Features

  • Type Single Family
  • Sq. ft. 1,649
  • Price/Sq.ft. $373
  • Lot 0.20 Acres

Details

General

Association/HOA

  • Association Fee: 523.0
  • Association Fee Frequency: Annually
  • Association: true

Building Information

  • Year Built: 2004

Location/Region

  • County Or Parish: Nassau
  • MLS Area Major: Ar 5 Island
  • Postal City: Fernandina Beach
  • Subdivision Name: Islesworth

General Information

  • Disclosures: Deed Restriction
  • Listing Terms: Cash,Conventional,FHA,VA Loan
  • Parcel Number: 00-00-30-0315-0023-0000
  • Property Condition: Resale
  • Property Sub Type: Residential
  • Property Type: Residential
  • Special Listing Conditions: None
  • Zoning: RS-2

Interior

Parking Information

  • Garage Spaces: 2.0
  • Garage: true

Beds/Baths

  • Bathrooms Full: 2
  • Bathrooms Total: 2
  • Bedrooms Total: 3

Building Interior

  • Building Area Source: Assessor
  • Building Area Total: 1649.0

General Information

  • Appliances: Dryer,Dishwasher,Disposal,Microwave,Refrigerator,Stove,Washer
  • Fireplace: true
  • Interior Features: Ceiling Fan(s),Fireplace,Cable TV
  • Levels: One
  • Living Area: 1649.0
  • Living Area Source: Assessor
  • Rooms Total: 0
  • Stories: 1
  • Window Features: Other,See Remarks

Exterior

Parking Information

  • Parking Features: Two Car Garage,Garage Door Opener

Lot Information

  • Lot Size Acres: 0.2009
  • Lot Size Area: 0.2009
  • Lot Size Dimensions: irr
  • Lot Size Units: Acres
  • Road Surface Type: Paved
  • Water Source: Public

Waterfront/View

  • Waterfront Features: Pond

Building Exterior/Construction

  • Architectural Style: One Story
  • Construction Materials: Frame,Stucco
  • Roof: Shingle

General Information

  • Sewer: Public Sewer
  • Utilities: Cable Available

96180 MONTEGO BAY Neighborhood

Community

32034 (Fernandina Beach) Demographics

54
Median Age
536
Population Density (per sq. mile)
55%
College Educated
$85,854
Estimated Median Income
13,404
Estimated Total Home Owners
2,887
Estimated Total Renters
82% / 18%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

96180 MONTEGO BAY Monthly Cost

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$
$
Matthew Bowler
Dylan Leitman
* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

96180 MONTEGO BAY Market Data

Based on the last 30 days in this zip code

$979,770
Average List Price
$442
Average Price per Square Foot
132
Properties Sold
118
Average Days on Market
925
Properties for Sale
Calculations provided by Reliance Network

96180 MONTEGO BAY History

Date Event Value Agent
6/22/2026Source: Amelia Nassau MLS Price Reduction
$615,000 -1.6%
6/22/2026Source: North East Florida MLS Price Reduction
$615,000 -1.6%
5/27/2026Source: North East Florida MLS Added to Database
May 27, 2026
5/21/2026Source: Amelia Nassau MLS Added to Database
May 21, 2026