96233 MONTEGO BAY, Fernandina Beach, FL 32034

• 4 beds |
• 2 baths |
• 1,984 sqft

Property Description

Move-in ready POOL home on Amelia Island, perfectly positioned, just minutes by bike or golf cart to the beach and historic downtown Fernandina can be used as short-term rental! Built in 2004 and meticulously maintained, this home checks every box for island living at any stage of life, and with a relaxed HOA and county taxes, it is approved for short-term rentals, making it an exceptional investment opportunity as well. The River-to-Sea Trail is right nearby, making the beach instantly more accessible. The bright, open living area features cherry laminate floors and flows seamlessly to your private backyard oasis, complete with a saltwater pool, built-in bench, refreshment table, and soothing fountain. The fully screened enclosure and fully fenced yard make it ideal for kids, pets, or simply relaxing in total privacy. Major systems have been updated including a new roof (2021), newer HVAC and water heater (according to previous homeowner), updated irrigation, and gutters over the outdoor porches. The guest bath and most of kitchen have been renovated in the last 2 years. Hurricane shutters on the front provide added peace of mind, and a termite bond is in place. A water softener in the garage (never used by current owners) is ready for the next owner. Located in a quiet, established neighborhood that is central to everything the island offers, this home delivers the full Amelia Island lifestyle without compromise. You will not find a better deal for all this home has to offer on-island.

Listing Status:

Active

Date Added:

April 30, 2026

Data Last Updated:

May 20, 2026 at 7:35AM

Listing Office:

FERNANDINA BEACH REALTY : 904-879-3011

Listing Agent:

KELLI ALLEN : 904-321-7917

MLS ID:

2142706

Interior

• Appliances: DryerDishwasherElectric CooktopElectric OvenRefrigeratorWasherWater Softener Owned
• A/C: Central AirElectric
• Heating:
• Fireplace: FireplaceFireplaces: 1

Exterior

• Pool: FencedIn GroundSalt Water

Construction

• General: 1

Location

• HOA Amenities: 523.0Annually
• Originating MLS: realMLS (Northeast Florida Multiple Listing Service)
• County: Nassau

Lot

• Zoning: 000030031500530000
• Current Use: ResidentialSingle Family

Utilities

• Utilities: Cable AvailableElectricity AvailableSewer AvailableWater Available
• Water: Public

Financial

• Source: realMLS (Northeast Florida Multiple Listing Service)