96046 MONTEGO BAY, Fernandina Beach, FL 32034
Saving a home does not subscribe you to email alerts.
About This Home
Live the best of coastal Amelia Island living with golf, beach days, and downtown just minutes away! This beautifully maintained 4-bedroom home at 96046 Montego Bay is ideally located near three incredible golf courses, Amelia Island's beaches, and historic downtown Fernandina Beach—easily accessible by golf cart. Enjoy peaceful lake and wooded views from the extended back porch and expanded paver patio. Inside, thoughtful custom details include kitchen cabinetry with pull-out shelving, added laundry storage, and custom built-ins surrounding the propane fireplace in the den, complete with marble tile and a custom mantle. Additional highlights include custom foyer columns, widened baseboards, a tray ceiling in the primary suite, and a widened paver driveway. The home also conveys with two refrigerators, an upright deep freezer, and a water softener. A wonderful opportunity to enjoy easy one-story living with four bedrooms in an unbeatable Amelia Island location.
Property Details
Plan your monthly costs
$37.5/month reported association fees
Association 1: $450 · Annually
MLS historical annual tax (2025): $4,199. A purchase may change the tax assessment. MLS cost data refreshed 10/17/2026.
Checking the dated 30-year market-rate reference…
Enter your lender's rate and your own tax and insurance estimates. Blank inputs are excluded, not assumed to be zero.
Enter valid price, down payment and rate
Planning estimate only. Excludes mortgage insurance, special assessments, maintenance, utilities, closing costs and other charges. Reported fees may be incomplete; verify with the association and a lender. This is not a loan quote or complete cost of ownership.
Private Listings
The best homes don't always go public.
Our advisors have access to off-market properties across the beach communities that never appear in public listings — tell us what you're looking for.
Location
96046 MONTEGO BAY, Fernandina Beach
MLS #: 2169672 · Listing data provided by NEFAR MLS via Spark API. Information deemed reliable but not guaranteed. Last updated October 17, 2026. Listing courtesy of FERNANDINA BEACH REALTY.