95224 Shell Midden Ln, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 95224 Shell Midden Ln, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,045 sqft · built 2017
Lot Size	1 acres (43,566 sqft)
Owner	Individual Name on File
Last Sale	$1,460,000 (Aug 2024)
Tax Bill	$16,431 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`38-2N-28-0181-0005-0000`

Property Details

APN / Parcel Number

Primary APN	`38-2N-28-0181-0005-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,045 sqft Heated Area
Gross Area	4,785 sqft
1st Floor Area	3,045 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	43,566 sqft (1 acres)
Garage Area	902 sqft
Pool Area	427 sqft
Porch	Open Porch
Porch Area	838 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	95224 SHELL MIDDEN LN
City	FERNANDINA BEACH
State	FL
Zip	32034-1141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	LOT 5 BRADY POINT PRESERVE #2 PB 7/100
Legal Range	28E
Legal Township	02N
Legal Section	38
Legal Subdivision	BRADY POINT PRESERVE #2
Legal Lot Number	5
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2016
Census Tract	50308

Owner

95224 Shell Midden Ln is owned and occupied by an individual who bought it in August 2024.

Source: Nassau County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	95224 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1141
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2024 · Amount on File
Deed Sale	Aug 29, 2024 · Amount on File
Prior Sale	May 1, 2020 · Amount on File
Deed Document Number	0027341436
Deed Book / Page	2734 / 1436
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 1, 2020
Property Address	95224 SHELL MIDDEN LN, FERNANDINA BEACH, FL 32034-1141
Document Number	0023580039
Book / Page	002358 / 000039
Instrument Date	Apr 30, 2020
Instrument	45013146
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,090.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	95224 SHELL MIDDEN LN FERNANDINA BEACH FL 320341141, FERNANDINA BEACH, FL 32034-1141

Mortgage

Document Number	23580042
Date	May 1, 2020
Book Page	002358/000042
Instrument	45013148

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 30, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 95224 Shell Midden Ln was $16,431 with a homeowner's exemption, up 38.7% from the year before.

Source: Nassau County assessment roll, as of July 1, 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	$16,431.00 (+38.74%) Homeowner's exemption	$1,110,655 (+39.23%)	$1,392,674 (+36.29%) Land $265,000 Building $1,127,674
2024	$11,843.00 (+1.02%) Homeowner's exemption	$797,689 (+3%)	$1,021,880 (+4.26%) Land $195,000 Building $826,880
2023	$11,724.00 (+9.6%) Homeowner's exemption	$774,455 (+3%)	$980,085 (+13.02%) Land $185,000 Building $795,085
2022	$10,697.00 Homeowner's exemption	$751,898	$867,188 Land $175,000 Building $692,188

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

Flood

FEMA maps place 95224 Shell Midden Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 95224 Shell Midden Ln is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20