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About This Home

This 3-bedroom, 3-bathroom condo at 96023 COTTAGE Court in Fernandina Beach, FL is listed for $285,000 ($193 per sqft). Built in 2008, the home offers 1,477 sqft of living space on a N/A lot.

Agent Description

Enjoy low-maintenance living in The Cottages at Stoney Creek, a gated community offering comfort, convenience, and flexibility. This 3-Bedroom, 2.5-Bath home features a functional layout with a Half Bath on the main level and all Bedrooms upstairs for added privacy.

Building has new Roof in 2005. Recent updates include a new HVAC System in 2025 and new LVP flooring downstairs providing a strong foundation for the next owner. This home is move-in ready while also offering a blank canvas for buyers who want to add their own style and updates over time.

Residents enjoy access to a gated entrance, private neighborhood setting, and community pool, all with a low HOA fee -- making everyday living simple and manageable. Ideally located just a short drive from Amelia Island, the beaches, dining, shopping, and historic downtown Fernandina Beach, this home offers both convenience and coastal accessibility.

Key Features

  • Built in 2008
  • 2 stories

Property Details

2 stories
2 full, 1 half
#1202
2008

Amenities

SpaA/C

Monthly Cost Estimate

$1,909/mo

20% down · 6.5% · 30 years

Principal$206
Interest$1,235
Insurance$83
HOA$385

Estimates only. Actual payments may vary.

Location

96023 COTTAGE Court

Fernandina Beach, FL 32034

Cottages at Stoney Creek

Features & Amenities

Interior Features

Ceiling Fan(s)Entrance FoyerOpen FloorplanPrimary Bathroom -Tub with Separate Shower

Property Details

Flooring

TileCarpetVinyl

Pool Features

Porch

Parking

Garage

Heating

CentralElectric (Heating)

Cooling

Central AirElectric

Appliances

DishwasherDisposalDryerElectric CooktopElectric OvenElectric RangeElectric Water HeaterMicrowaveRefrigeratorWasher

Questions & Answers

This 3-bedroom, 3-bathroom condo at 96023 COTTAGE Court is listed at $285,000 ($193/sqft). The estimated monthly payment is $1,620 based on 20% down at 6.5% interest.

HOA fees are $385/month.

Key features include: Built in 2008, 2 stories. Interior Features: Ceiling Fan(s), Entrance Foyer, Open Floorplan.

This property is listed by WHITNEY STARLING and can be reached at 8638997233 or Whitney.Starling@floridanetworkrealty.com.

WS

WHITNEY STARLING

Agent at BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

(863) 899-7233

Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · View on Broker Site

MLS# 2142037· Source: listhub· Updated 37 days ago

Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

96023 COTTAGE Court, Fernandina Beach, FL 32034

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