Listed by ERIN E KING of COLDWELL BANKER VANGUARD REALTY
Up to 3% seller credit toward buyer closing costs or an interest-rate buydown. Preferred lender credit of 1% of the loan amount toward discount points or closing costs. Incentives subject to lender approval and loan program limits. Southern Creek 2.0 is a boutique, gated pocket neighborhood built for buyers who want privacy and calm without giving up Fernandina convenience. Brand-new 2024 two-story home offering 5 bedrooms, 4 full baths, and 2,660 heated square feet. The standout feature is a first-floor owner's suite with ensuite bath, creating an ideal layout for long-term living and everyday ease. Upstairs adds the separation buyers want, with additional bedrooms and a loft-style ''open to below'' feel from the second level floor plan. Enjoy real outdoor living with multiple porch areas, plus a substantial garage footprint. If your buyer wants new construction, gated living, and space that lives well, This is the one to see. Schedule your tour today.

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Federal 30-year interest rate: 6.09% last updated on Feb 12, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.

 "Based on information submitted to Northeast Florida Association of REALTORS as of February 13, 2026 1:37 AM EST . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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