Tbd Waterford Lane, FL 32097, FL, 32097
Active58 days on marketListed Jun 12, 2026MLS #B26041603
About this home
Tbd Waterford Lane, FL 32097
Build your custom Lowcountry estate on this premium corner lot 0.284-acre homesite in the gated, riverfront community of Waterman's Bluff. Framed by majestic live oaks, this ready-to-build lot features underground utilities, public water, and sewer with NO CDD fees. Enjoy elite amenities: a community dock, kayak launch, and a future 32-slip marina on Bells River. Minutes to Amelia Island beaches, dining, and Fernandina Beach. 20 mins to JAX Airport. Bring your builder!
Facts & features
The home at a glance
0.284 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,161 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,161/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about Tbd Waterford Lane — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Tbd Waterford Lane — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
Tbd Waterford Lane FAQs
What would the monthly payment be for Tbd Waterford Lane, FL 32097?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,161/mo — principal and interest, the actual property-tax bill, the $158/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at Tbd Waterford Lane, FL 32097?+
The association fee works out to $158 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on Tbd Waterford Lane, FL 32097?+
The most recent tax bill on record (2025) was $1,001. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.