$1,329,000

96492 Soap Creek Dr Fernandina Beach, FL 32034

Estimated payment $8,953/month

Total Views 3,640
3 Beds
3 Baths
3,012 Sq Ft
$441 Price per Sq Ft

Highlights

  • 112 Feet of Waterfront
  • Marina
  • Fitness Center
  • Emma Love Hardee Elementary School Rated A-
  • Boat Dock
  • Intracoastal View

About This Home

Welcome to Oyster Bay Harbour! This stunning 3-bedroom, 3-bath custom home showcases panoramic sunrise views over the Amelia River. Designed for both luxury and comfort, it features open living and dining areas leading to a wraparound deck for seamless indoor-outdoor living. The kitchen includes a large island, quartz counters, and a butler's galley. White maple floors, coffered ceilings, and a gas fireplace add warmth and elegance. The owner's suite, accessible by elevator, is a treetop retreat. It offers a private balcony and a flexible nook for an office or gym. The main-level guest suite could be the primary with water views, two closets, and an ensuite bath. Additional features include a whole home generator, climate-controlled workshop, under-home storage, outdoor shower, and fenced yard. On one of the community's best lots, this home delivers coastal living at its finest. Oyster Bay Yacht Club membership is optional. Zoned for island schools.

Listing Agent

Sara Terry

BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS License #3381009 Listed on: 10/20/2025

BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2019

Lot Details

  • 1.14 Acre Lot
  • Home fronts a creek
  • Property fronts a marsh
  • 112 Feet of Waterfront
  • Property fronts an intracoastal waterway
  • River Front
  • Property fronts a private road
  • East Facing Home
  • Back Yard Fenced
  • Front and Back Yard Sprinklers

HOA Fees

  • $125 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener
  • RV or Boat Parking

Property Views

  • Intracoastal
  • River
  • Creek or Stream

Home Design

  • Entry on the 1st floor
  • Shingle Roof

Interior Spaces

  • 3,012 Sq Ft Home
  • 3-Story Property
  • Open Floorplan
  • Built-In Features
  • Vaulted Ceiling
  • Ceiling Fan
  • Gas Fireplace
  • Entrance Foyer

Kitchen

  • Breakfast Bar
  • Butlers Pantry
  • Gas Oven
  • Gas Range
  • Microwave
  • Ice Maker
  • Dishwasher
  • Kitchen Island
  • Disposal
  • Instant Hot Water

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Dual Closets
  • Walk-In Closet
  • In-Law or Guest Suite
  • 3 Full Bathrooms
  • Separate Shower in Primary Bathroom
  • Bathtub With Separate Shower Stall

Home Security

  • Security Gate
  • Closed Circuit Camera
  • Smart Thermostat

Accessible Home Design

  • Accessible Elevator Installed
  • Accessibility Features

Outdoor Features

  • In Ground Spa
  • Access To Creek
  • Access to marsh
  • Balcony
  • Deck
  • Wrap Around Porch

Schools

  • Emma Love Hardee Elementary School
  • Fernandina Beach Middle School
  • Fernandina Beach High School

Utilities

  • Zoned Heating and Cooling
  • Tankless Water Heater
  • Gas Water Heater
  • Water Softener is Owned
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 463N28620500280000

Community Details

Overview

  • Oyster Bay Harbours Subdivision

Amenities

  • Clubhouse
  • Elevator

Recreation

  • Boat Dock
  • Community Boat Slip
  • RV or Boat Storage in Community
  • Marina
  • Tennis Courts
  • Pickleball Courts
  • Fitness Center
  • Community Pool
  • Community Spa

Security

  • Security Service
  • Gated Community

Home Details

Home Type

Single Family

Year Built

Built in 2019

Lot Details

0

HOA Fees

$125 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Attached Yn: No
  • New Construction: No
  • Stories: 3
  • Year Built: 2019
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 1.14
  • Road Frontage Type: Private Road
  • Subdivision Name: Oyster Bay Harbours
  • Carport Y N: No
  • Entry Level: 1
  • Garage Yn: Yes
  • Unit Levels: Three Or More
  • General Property Information Living Area2: 3012.0
  • General Property Information Waterfront YN: Yes
  • General Property Information New Construction YN: No
  • General Property Information List PriceSqFt2: 441.24
  • Cooling Central Air: Yes
  • Cooling:Electric: Yes
  • Sewer:Public Sewer: Yes
  • Water Source Public: Yes
  • General Property Information Accessibility Features YN2: Yes
  • General Property Information Furnished: Unfurnished
  • Appliances Microwave: Yes
  • Appliances Refrigerators: Yes
  • Flooring Tile: Yes
  • Flooring Wood: Yes
  • Cooling Zoned: Yes
  • Fencing Back Yard: Yes
  • Security Features Security Gate: Yes
  • Interior Features Primary Bathroom -Tub with Separate Shower: Yes
  • General Property Information Entry Level2: 1.0
  • General Property Information Water Frontage Feet: 112
  • General Property Information Senior Community YN: No
  • Waterfront Features Intracoastal: Yes
  • Waterfront Features Marsh: Yes
  • General Property Information Lot Size Acres: 1.14
  • Utilities Water Available: Yes
  • Interior Features Butler Pantry: Yes
  • Levels Three Or More: Yes
  • General Property Information Carport YN: No
  • Utilities Electricity Connected: Yes
  • General Property Information Direction Faces: East
  • General Property Information Accessory Dwelling Unit YN: No
  • Road Frontage Type Private Road: Yes
  • Interior Features Guest Suite: Yes
  • Fencing Fenced: Yes
  • General Property Information:Pool Private YN: No
  • General Property Information Homestead YN: No
  • Special Features: None

Interior Features

  • Interior Amenities: Breakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
  • Major Appliances: Dishwasher, Disposal, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Water Softener Owned
  • Furnished: Unfurnished
  • Spa Features: In Ground, Community
  • Accessibility Features: Accessible Elevator Installed
  • Full Bathrooms: 3
  • Total Bedrooms: 3
  • Fireplace Features: Gas
  • Fireplaces: 1
  • Fireplace: Yes
  • Flooring: Tile, Wood
  • Living Area: 3012.0
  • Appliances Dishwasher: Yes
  • Appliances:Gas Range: Yes
  • Appliances:Ice Maker: Yes
  • Appliances:Tankless Water Heater: Yes
  • Fireplace Features:Fireplaces Total: 1
  • Fireplace Features:Gas: Yes
  • Appliances:Water Softener-Owned: Yes
  • Interior Features:Vaulted Ceiling(s): Yes
  • Appliances:Gas Water Heater: Yes
  • Interior Features:Kitchen Island: Yes
  • Interior Features:Pantry: Yes
  • Interior Features:Split Bedrooms: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Interior Features:Entrance Foyer: Yes
  • Interior Features:Breakfast Bar: Yes
  • Interior Features:Built-in Features: Yes
  • Interior Features:In-Law Floorplan: Yes
  • Interior Features:Elevator: Yes
  • Interior Features:Smart Thermostat: Yes
  • Spa Features:Community2: Yes
  • Interior Features:Ceiling Fan(s): Yes
  • Appliances:Gas Oven: Yes
  • Interior Features:Open Floorplan: Yes
  • Appliances:Instant Hot Water: Yes
  • Interior Features:His and Hers Closets: Yes
  • Appliances:Plumbed For Ice Maker: Yes

Exterior Features

  • Waterfront: Yes
  • Exterior: Balcony
  • Fencing: Fenced, Back Yard, Full, Wrought Iron
  • Roof: Shingle
  • Lot Features: Sprinklers In Front, Sprinklers In Rear
  • Pool Private: No
  • View: Creek/Stream, Intracoastal, River, Water
  • Waterfront Features: Creek, Intracoastal, Marsh, River Front
  • Direction Faces: East
  • Patio And Porch Features: Covered, Deck, Front Porch, Porch, Rear Porch, Side Porch, Wrap Around
  • Exterior Features:Balcony: Yes
  • Exterior Features:Fencing - Full: Yes
  • Lot Features:Sprinklers in Front: Yes
  • Lot Features:Sprinklers In Rear: Yes
  • Patio and Porch Features:Porch: Yes
  • Patio And Porch Features:Covered2: Yes
  • Patio And Porch Features:Front Porch: Yes
  • Patio And Porch Features:Deck: Yes
  • Patio And Porch Features:Wrap Around: Yes
  • View:River: Yes
  • Waterfront Features:River Front: Yes
  • Waterfront Features:Creek: Yes
  • Patio And Porch Features:Rear Porch: Yes
  • Patio and Porch Features:Side Porch: Yes
  • Accessibility Features:Accessible Elevator Installed: Yes
  • View:CreekStream: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Attached, Garage, Garage Door Opener
  • General Property Information:Garage Spaces: 2.0
  • Parking Features:Attached: Yes
  • Parking Features:Garage: Yes
  • Parking Features:Garage Door Opener: Yes
  • General Property Information:Garage YN: Yes

Utilities

  • Utilities: Electricity Connected, Sewer Connected, Water Available, Propane
  • Security: Closed Circuit Camera(s), Security Gate
  • Cooling: Central Air, Electric, Multi Units, Zoned
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Water Source: Public
  • Heating:Central: Yes

Condo/Co-op/Association

  • Association Fee: 375.0
  • Association Fee Frequency: Quarterly
  • Community Features: Fishing, Restaurant, Gated
  • Senior Community: No
  • Amenities: Pool, Boat Dock, Boat Slip, Cable TV, Clubhouse, Elevator(s), Fitness Center, Gated, Marina, Pickleball, RV/Boat Storage, Security, Spa/Hot Tub, Tennis Court(s), Water
  • Association: Yes

Association/Amenities

  • General Property Information:Association YN: Yes
  • General Property Information:Association Fee: 375.0
  • General Property Information:Association Fee Frequency: Quarterly
  • Association Amenities:Boat Dock: Yes
  • Association Amenities:Clubhouse: Yes
  • Association Amenities:Fitness Center: Yes
  • Association Amenities:Tennis Courts: Yes
  • Association Amenities:SpaHot Tub: Yes
  • Association Amenities:RVBoat Storage: Yes
  • Association Amenities:Boat Slip: Yes
  • Association Amenities:Security: Yes
  • Association Amenities:Elevator(s): Yes
  • Association Amenities:Gated: Yes
  • Association Amenities:Water: Yes
  • Association Amenities:Pickleball: Yes
  • Association Amenities:Cable TV: Yes
  • Association Amenities:Marina: Yes

Schools

  • Elementary School: Emma Love Hardee
  • High School: Fernandina Beach
  • Middle Or Junior School: Fernandina Beach

Lot Info

  • Current Use: Residential, Single Family
  • Lot Size Sq Ft: 49658.4
  • Parcel #: 463N28620500280000
  • Zoning Description: Residential

Tax Info

  • Tax Year: 2024

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $22,040 $1,435,649 $225,000 $1,210,649
2024 -- $1,089,614 -- --
2023 $0 $1,057,878 $200,000 $857,878
2022 $13,459 $894,567 $200,000 $694,567
2021 $9,435 $640,420 $0 $0
2020 $9,422 $590,253 $200,000 $390,253
2019 $3,154 $200,000 $200,000 $0
2018 $2,860 $175,000 $0 $0
2017 $2,527 $200,000 $0 $0
2016 $2,391 $128,563 $0 $0
2015 $2,003 $116,875 $0 $0
2014 $1,679 $106,250 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/20/2025 10/20/25 Price Changed $1,329,000 0.0% $441 / Sq Ft
10/20/2025 10/20/25 For Sale $1,329,000 -8.7% $441 / Sq Ft
10/11/2025 10/11/25 For Sale $1,455,000 +9.4% $483 / Sq Ft
12/17/2023 12/17/23 Off Market $1,329,700 -- --
02/14/2022 02/14/22 Sold $1,329,700 -1.7% $441 / Sq Ft View Prior Sale
01/27/2022 01/27/22 Pending -- -- --
01/10/2022 01/10/22 For Sale $1,352,700 +902.0% $449 / Sq Ft
07/17/2017 07/17/17 Sold $135,000 -3.5% $45 / Sq Ft View Prior Sale
06/17/2017 06/17/17 Pending -- -- --
03/11/2017 03/11/17 For Sale $139,900 -- $46 / Sq Ft
Source: realMLS (Northeast Florida Multiple Listing Service)

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,329,700 Lennon Andrea F
Warranty Deed $135,000 Attorney
Corporate Deed $230,000 Olde Towne Title Company
Source: Public Records

Source: realMLS (Northeast Florida Multiple Listing Service)

MLS Number: 2114141

realMLS (Northeast Florida Multiple Listing Service)

APN: 46-3N-28-6205-0028-0000