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About This Home

This 4-bedroom, 3-bathroom single family at 96074 RIDGEWOOD Circle in Fernandina Beach, FL is listed for $398,000 ($174 per sqft). Built in 2005, the home offers 2,283 sqft of living space on a 0.17 acres lot.

Agent Description

Spacious and comfortable with a serene pond view, 96074 Ridgewood Circle offers the space, flexibility and location buyers are searching for in Fernandina Beach. This beautiful 4BR/3BA home spans approximately 2,300 square feet with a thoughtfully designed split-bedroom floor plan, dedicated office & an upstairs ensuite is offered at a great price.

Step inside to discover an open great room filled with natural light, highlighted by a wall of glass sliders overlooking the tranquil pond & a cozy gas fireplace. The centrally located kitchen with breakfast table area and counter seating takes full advantage of the scenic water views while remaining open to the main living room-ideal for entertaining or everyday living.

A separate dining room with high ceilings and an arched window adds architectural charm, while a dedicated office provides the perfect work-from-home setup. The spacious primary suite with bay window is privately situated apart from the guest bedrooms & features a walk-in shower, garden tub, two sinks, & dual closets.

Two guest bedrooms & a guest bathroom are located on the opposite side of the home, while the upstairs 4th bedroom with ensuite bath offers endless possibilities. Enjoy relaxing evenings on the covered paver patio overlooking the pond-perfect for grilling out with friends.

Additional updates include waterproof wood-look luxury vinyl plank flooring downstairs installed in 2021 and HVAC replaced in 2018. Conveniently located 5 minutes from shopping & dining, 15-ish minutes to Amelia Island beaches and Historic Downtown Fernandina Beach on the harbor with charming cafes & shops. The perfect location for commuting routes to Jacksonville & Kings Bay Naval Submarine Base. Easy to show! Come see today!

Key Features

  • Built in 2005
  • 0.17 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
3 full
2005

Amenities

FireplaceWaterfront

Monthly Cost Estimate

$2,751/mo

20% down · 6.5% · 30 years

Principal$288
Interest$1,725
Insurance$116
HOA$622

Estimates only. Actual payments may vary.

Location

96074 RIDGEWOOD Circle

Fernandina Beach, FL 32034

Lofton Pointe

Features & Amenities

Interior Features

DrapesBlindsFireplaceCeiling FansGarage Door OpenerStorage AreaSplit Bedroom DesignCable TV Available

Exterior Features

Cable TVSprinkler System

Property Details

Construction

Stucco Over Frame

Parking

Garage

Heating

Heat Pump (Heating)

Cooling

Heat Pump

Appliances

RefrigeratorStoveMicrowaveDishwasherDisposalWasherDryer

Questions & Answers

This 4-bedroom, 3-bathroom single family at 96074 RIDGEWOOD Circle is listed at $398,000 ($174/sqft). The estimated monthly payment is $2,347 based on 20% down at 6.5% interest.

HOA fees are $622/month.

Key features include: Built in 2005, 0.17 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: Drapes, Blinds, Fireplace. Exterior Features: Cable TV, Sprinkler System.

This property is listed by Carey Dresser and can be reached at (904) 753-1415 or careydresser@gmail.com.

CD

Carey Dresser

Agent at BERKSHIRE HATHAWAY HomeServices HWREI

(904) 753-1415

Listed by BERKSHIRE HATHAWAY HomeServices HWREI · View on Broker Site

MLS# 115918· Source: listhub· Updated 10 days ago

Copyright © 2026 Amelia Island-Nassau County Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

96074 RIDGEWOOD Circle, Fernandina Beach, FL 32034

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