CENTURY 21 Edge
$1,700,0005 bd3.5 ba3,881 sqft$438 /sqft$11,448 /mo all-in ↓

95377 WILD CHERRY DRIVE, FERNANDINA BEACH, FL, 32034

Active3 days on marketListed Sep 17, 2026MLS #V4951279

Private poolSingle Family ResidenceAMELIA NATIONAL PH 1-C SEGMENT

About this home

95377 WILD CHERRY DRIVE

Welcome to luxury living in Amelia National, where elegance, comfort, and resort-style amenities come together in one of Fernandina Beach's most sought-after communities. Built by ICI, this 5-bedroom, 3.5-bath heated pool home boasts nearly 3,900 square feet of under-air living space, a 4-car garage, and an enviable premium lot with sparkling water views. From the moment you step inside, soaring ceilings and a wall of windows flood the home with natural light, creating a warm and inviting atmosphere. The heart of the home is its open floor plan, designed for both entertaining and everyday living. A gourmet kitchen with cambria quartz counters, high-end appliances, a gas stove, and a huge walk-in pantry flows seamlessly into the spacious living area, anchored by a stunning electric fireplace that creates a cozy focal point. The primary suite on the first floor is a private retreat featuring his-and-her walk-in closets and a spa-inspired bathroom with dual vanities and a beautifully designed walk-in shower. A second bedroom downstairs provides the perfect setup for a guest room or home office. Upstairs, you'll find three generously sized bedrooms, a loft area, and a balcony overlooking the water and backyard oasis. Step outside to your private sanctuary where a sparkling pool with jacuzzi and expansive patio invite you to relax or entertain while soaking in serene water views. Living in Amelia National means more than just owning a homeit's a lifestyle. This gated community features a Tom Fazio-designed championship golf course, a resort-style pool, Har-Tru tennis courts, a state-of-the-art fitness center, and a stunning clubhouse with fine dining and social events. With its vibrant community atmosphere and proximity to the beaches of Amelia Island and historic downtown Fernandina Beach, Amelia National is the perfect blend of luxury and leisure. This is more than a homeit's where everyday living feels like a retreat.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,881

Sqft

0.4 ac

Lot size

4

Garage

2023

Year built

Two

Levels

$438

Per sqft

Private poolFireplacePool & Water view

Inside

FlooringCarpet · Hardwood
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Other · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Other · Stucco
FoundationBlock
ViewPool · Water
FacesNortheast
ExteriorIrrigation System · Rain Gutters · Sidewalk

Community & fees

HOA fee$81/mo
Taxes (2025)$16,761/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterPrivate

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.

$11,448 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,173
PMI (est., until 20% equity)$638
Property tax — 2025 actual bill$1,397
HOA fee — from the listing$81
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $170,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $170,000
Interest rate6.00%
Loan term

Estimated payment

$11,448/mo

Principal & interest$9,173
PMI (est., until 20% equity)$638
Property taxes (actual bill)$1,397
HOA / condo fee$81
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Where it sits

Inside Amelia National

Get to know Fernandina Beach. See the full Fernandina Beach guide →

Amelia National — neighborhood snapshot

Population

452

Median age

40

Median income

$122,917

Median home value

$447,500

Avg household

2

Households w/ children

91%

The numbers that matter

The Fernandina Beach market

Seller’s marketLeans seller3.0 months of inventoryBuyer’s market

$425K$1.1M

Fernandina Beach median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

Median sold price, Fernandina Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 58% above the FERNANDINA BEACH 32034 median. See the full Fernandina Beach market guide →

Paper trail

This home's history

Sep 17, 2026Listed at $1,700,000 · 3 days on market since
2023Built · AMELIA NATIONAL PH 1-C SEGMENT

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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 95377 WILD CHERRY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 95377 WILD CHERRY DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

95377 WILD CHERRY DRIVE FAQs

What would the monthly payment be for 95377 WILD CHERRY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,448/mo — principal and interest, the actual property-tax bill, the $81/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 95377 WILD CHERRY DRIVE?+

The association fee works out to $81 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 95377 WILD CHERRY DRIVE?+

The most recent tax bill on record (2025) was $16,761. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 95377 WILD CHERRY DRIVE?+

The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Fernandina Beach?+

At $1,700,000, this home is listed about 128% above the Fernandina Beach median of $745,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$1,700,000 runs 58% above the FERNANDINA BEACH 32034 median — but at 3,881 sqft it's also 53% larger than the typical Fernandina Beach listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 3 days on market in a Fernandina Beach market that averages 84 — if it fits, move quickly.

Listing courtesy of RE/MAX SIGNATURE · Stephanie Cathey. MLS #V4951279.

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 Stellar MLS.

Never miss a listing

New Fernandina Beach homes, in your inbox

Like 95377 WILD CHERRY DRIVE but not quite? A daily digest of every new listing in Fernandina Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Colleen to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated September 20, 2026 at 8:20 PM UTC. The listing information on this page last changed on September 20, 2026 at 8:20 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on September 20, 2026 at 8:20 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: September 20, 2026 at 8:20 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.