Property photo 1
Property photo 2
Property photo 3
Property photo 4
Property photo 5
4 Beds
2 Baths
2,226 sqft

$849,000

96046 MONTEGO BAY, Fernandina Beach FL, 32034

Price per sqft$381.40
Built in2005
Property size2,226 sqft
Property typeResidential

Overview

Active

Listed Oct 16, 2026

Updated 23h ago

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 enjoy the Amelia Island lifestyle in a home designed for one-story, easy living, while still boasting 4 bedrooms. Txt or call Sarah for a private tour today.

$5,648/mo

Est. mortgage payment based on a $849,000 home price.

All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.

Additional information

MLS® ID
117584

Interior Features

Bedrooms
4
Bathrooms
2
Fireplace
Yes
Cooling
Yes
Heating
Yes
Basement
No

Other Property Details

Association Fee Frequency
Yearly
Garage
Yes

Also listed on NEFMLS

 

Courtesy of ERA FERNANDINA BEACH REALTY, Sarah Chancey,
Listing Contact: 912-590-2215 

All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Lisa Benedict shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

©2026 Amelia Island-Nassau County Association of REALTORS, Inc. All rights reserved.

Powered by Luxury Presence