$470,000
SOLD JUN 10, 2025

97037 Mill Pond Ln Fernandina Beach, FL 32034

3 Beds
2 Baths
1,914 Sq Ft
0.28 Acres

Recently Sold

$246 Per Sq Ft

6% Below List Price

26 Days on Market

Highlights

  • Rear Porch
  • Screened Patio
  • Central Heating
  • Emma Love Hardee Elementary School Rated A-
  • Cooling Available
  • Ceiling Fan

About This Home

As of June 2025

Gorgeous neighborhood with huge oak trees, located within minutes to Amelia Island. This home features new flooring throughout, spa-like master bathroom, remodeled kitchen, newer appliances and wine bar nook. There is an additional office/4th bedroom, separate breakfast area and dining room. This light and bright home has an open floor plan with a master suite on one side of the house. Home has many updates including new roof (2024), AC (2017), Septic (2024) and fence (2024). A rated school district and zoned for Fernandina Beach schools. The homes sell quickly in this area, schedule your appointment to see today!

Last Agent to Sell the Property

Marlena Palmer

COASTAL HOMES AND LAND, LLC License #0671891 Listed on: 03/18/2025

Last Buyer's Agent

Montana Howington

ERA FERNANDINA BEACH REALTY License #3537011

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,831

Year Built

  • Built in 2001

Lot Details

  • 0.28 Acre Lot
  • Lot Dimensions are 100 x 120
  • Fenced
  • Property is zoned RSF-1

HOA Fees

  • $18 Monthly HOA Fees

Parking

  • 2 Car Garage

Home Design

  • Frame Construction
  • Shingle Roof
  • Stucco

Interior Spaces

  • 1,914 Sq Ft Home
  • 1-Story Property
  • Ceiling Fan
  • Blinds

Kitchen

  • Stove
  • Microwave
  • Dishwasher
  • Wine Cooler

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • 2 Full Bathrooms

Outdoor Features

  • Screened Patio
  • Rear Porch

Utilities

  • Cooling Available
  • Central Heating
  • Septic Tank
  • Cable TV Available

Community Details

  • Spanish Oaks Subdivision

Listing and Financial Details

  • Assessor Parcel Number 46-3N-28-576A-0004-0000

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,831

Year Built

Built in 2001

Lot Details

0

HOA Fees

$18 per month

Parking

2

Listing Details

  • Property Sub Type: Residential
  • Prop. Type: Residential
  • Lot Size Acres: 0.2755
  • Lot Size: 100 x 120
  • Road Surface Type: Paved
  • Subdivision Name: Spanish Oaks
  • Directions: From A1A take Barnwell Rd. to right on Willow Oak Ln. turn left on Springwood,then right on Mill Pond. The property will be on the left side
  • Architectural Style: One Story
  • Garage Yn: Yes
  • Unit Levels: One
  • Building Stories: 1
  • Year Built: 2001
  • Property Sub Type Additional: Residential
  • Special Features: None
  • Stories: 1

Interior Features

  • Appliances: Dishwasher, Microwave, Refrigerator, Stove, Wine Cooler
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Interior Amenities: Ceiling Fan(s), Split Bedrooms, Cable TV, Window Treatments
  • Living Area: 1914.0
  • Window Features: Aluminum Frames, Blinds

Exterior Features

  • Disclosures: Deed Restriction
  • Construction Type: Frame, Stucco
  • Exterior Features: Fence
  • Patio And Porch Features: Rear Porch, Screened
  • Property Condition: Resale
  • Roof: Shingle

Garage/Parking

  • Garage Spaces: 2.0
  • Parking Features: Two Car Garage, Garage Door Opener

Utilities

  • Cooling: Central Air, Electric
  • Cooling Y N: Yes
  • Heating: Central, Electric
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Utilities: Cable Available
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 210.0
  • Association Fee Frequency: Annually
  • Association: Yes

Lot Info

  • Parcel #: 46-3N-28-576A-0004-0000
  • Zoning: RSF-1

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 18, 2025
Closed on
Jun 10, 2025
Sold by
Windham Jeffrey M and Windham Tanya S
Bought by
Mcclure Madison R and Beckham Joseph Gage
Seller's Agent
Marlena Palmer
COASTAL HOMES AND LAND, LLC
Buyer's Agent
Montana Howington
ERA FERNANDINA BEACH REALTY
List Price
$499,900
Sold Price
$470,000
Premium/Discount to List
-$29,900
-5.98%
Views
57
Current Estimated Value
$477,963

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$7,963
Avg. Annual Appreciation
19.63%
Original Mortgage
$375,000
Outstanding Balance
$375,000
Interest Rate
6.81%
Mortgage Type
New Conventional
Estimated Equity
$119,186

Purchase Details

Listed on
Feb 2, 2015
Closed on
May 17, 2015
Sold by
Kondaur Capital Corporation
Bought by
Windham Jeffrey M and Windham Tanya S
Seller's Agent
LEIGH ANDERSON
WATSON REALTY CORP
Buyer's Agent
LEIGH ANDERSON
AMELIA ISLAND REAL ESTATE SERVICES
List Price
$185,000
Sold Price
$199,000
Premium/Discount to List
$14,000
7.57%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.78%
Original Mortgage
$189,050
Interest Rate
3.8%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 25, 2014
Sold by
Forbes James K and Forbes Debra
Bought by
Kondaur Capital Corporation

Purchase Details

Closed on
Jul 11, 2003
Sold by
Ellis Michelle N and Ellis Keith
Bought by
Setzer Dorothy and Forbes Debra

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$166,500
Interest Rate
5.16%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $470,000 None Listed On Document
Special Warranty Deed $199,000 Fidelity Natl Title Of Fl In
Deed In Lieu Of Foreclosure $302,000 Chelsea Title
Warranty Deed $166,500 Watson & Osborne Title Servi
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $375,000 New Conventional
Previous Owner $50,000 New Conventional
Previous Owner $189,050 New Conventional
Previous Owner $278,800 Unknown
Previous Owner $40,000 Unknown
Previous Owner $234,000 Purchase Money Mortgage
Previous Owner $228,000 Fannie Mae Freddie Mac
Previous Owner $166,500 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/10/2025 06/10/25 Sold $470,000 -6.0% $246 / Sq Ft
04/13/2025 04/13/25 Pending -- -- --
03/18/2025 03/18/25 For Sale $499,900 +151.2% $261 / Sq Ft
12/17/2023 12/17/23 Off Market $199,000 -- --
03/27/2015 03/27/15 Sold $199,000 +7.6% $104 / Sq Ft
02/28/2015 02/28/15 Pending -- -- --
02/02/2015 02/02/15 For Sale $185,000 -- $97 / Sq Ft
Source: Amelia Island - Nassau County Association of REALTORS®

Tax History Compared to Growth

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
2024 $1,831 $159,248 -- --
2023 $1,831 $154,610 $0 $0
2022 $1,644 $150,107 $0 $0
2021 $1,653 $145,735 $0 $0
2020 $1,645 $143,723 $0 $0
2019 $1,615 $140,492 $0 $0
2018 $1,594 $137,872 $0 $0
2017 $1,459 $135,462 $0 $0
2016 $1,439 $132,676 $0 $0
2015 $2,358 $149,956 $0 $0
2014 -- $137,318 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • M

    Seller's Agent in 2025

    Marlena Palmer

    COASTAL HOMES AND LAND, LLC

    (904) 422-0470

    8 in this area

    15 Total Sales

    Marlena Palmer
    Section Image

  • M

    Buyer's Agent in 2025

    Montana Howington

    ERA FERNANDINA BEACH REALTY

    (904) 261-4011

    9 in this area

    15 Total Sales

    Montana Howington
    Section Image

  • L

    Seller's Agent in 2015

    LEIGH ANDERSON

    WATSON REALTY CORP

See All Agents

Map

Source: Amelia Island - Nassau County Association of REALTORS®

MLS Number: 111602

APN: 46-3N-28-576A-0004-0000

Florida Nassau County Fernandina Beach 32034

97037 Mill Pond Ln, Fernandina Beach, FL

This home is located at 97037 Mill Pond Ln, Fernandina Beach, FL 32034 and is currently priced at $470,000, approximately $245 per square foot. This property was built in 2001. 97037 Mill Pond Ln is a home located in Nassau County with nearby schools including Southside Elementary School, Emma Love Hardee Elementary School, and Fernandina Beach Middle School.

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