95175 Shell Midden Ln, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 95175 Shell Midden Ln, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,953 sqft · built 2023
Lot Size	1.46 acres (63,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Jul 2020)
Tax Bill	$11,908 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2023 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`38-2N-28-0181-0013-0000`

Property Details

APN / Parcel Number

Primary APN	`38-2N-28-0181-0013-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,953 sqft Living Area
Gross Area	3,679 sqft
1st Floor Area	2,953 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	63,597 sqft (1.46 acres)
Garage Type	Attached
Garage Area	726 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	95175 SHELL MIDDEN LN
City	FERNANDINA BEACH
State	FL
Zip	32034-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 13 & PT TRACT A-1 IN OR 2497/857 BRADY POINT PRESERVE #2 R/P PBK 7/159 CONSERVATION ESMT IN OR 2433/1517 & OR 2476/190
Legal Range	28E
Legal Township	02N
Legal Section	38
Legal Subdivision	BRADY POINT
Legal Tract	A-1
Legal Lot Number	13
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2009
Census Tract	50308

Owner

Source: Nassau County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit JAX FCU
Oct 12, 2021	Correction Deed · Conventional Mortgage PRIMESOUTH BANK
Jul 6, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Jan 16, 2008 · Amount on Record
Deed Document Number	202020262
Deed Book / Page	2373 / 205
Last Transfer Date	Oct 7, 2021
Transfer Doc	0025041060
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	May 1, 2026
Property Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140
Document Number	0000013154
Book / Page	2865 / 777
Instrument Date	Apr 24, 2026
Instrument	202613154
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140

Mortgage

Document Number	0000013154,
Date	May 1, 2026
Book Page	2865/777
Instrument	202613154

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140

Mortgage

Document Number	0026870180
Date	Dec 28, 2023
Book Page	2687/180
Instrument	202345038369

Lender

Name	JAX FCU
Type	Credit Union
Address	562 PARK ST, JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	NASSAU FL
Recording Date	Oct 12, 2021
Property Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140
Document Number	0025041060
Book / Page	2504 / 1060
Map Reference	PL 7 PG 159-161
Instrument Date	Oct 7, 2021
Instrument	202145038169
Record Updated	Feb 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75071 FERN CREEK DR, YULEE, FL 32097-0627

Mortgage

Document Number	0025041061
Date	Oct 12, 2021
Book Page	2504/1061
Instrument	202145038170

Lender

Name	PRIMESOUTH BANK
Type	Bank
Address	JESUP, GA 31545

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Oct 8, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 8, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 6, 2020
Property Address	95175 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1140
Document Number	0023730205
Book / Page	002373 / 000205
Instrument Date	Jun 30, 2020
Instrument	45020262
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,540.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4853 MAGILL RD JACKSONVILLE FL 322192897, JACKSONVILLE, FL 32219-2897

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,908.00 (+1.16%) Homeowner's exemption	$816,077 (+2.9%)	$1,231,824 (+37.31%) Land $193,875 Building $1,037,949
2024	$11,771.00 (+485.33%) Homeowner's exemption	$793,078 (+529.43%)	$897,133 (+612.01%) Land $175,500 Building $721,633
2023	$2,011.00 (+6.12%)	$126,000 (-) Land $126,000	$126,000 (-) Land $126,000
2022	$1,895.00	$126,000 Land $126,000	$126,000 Land $126,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 225 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA: LOFTON OAKS GRID private · serves 24,318 people · EPA ID FL2454338
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: IQ Fiber.

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