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    Waterfront Homesite in Brady Point Title is generated by Realmo AI

    95164 SHELL MIDDEN Lane, Fernandina Beach, FL 32034

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    Claim this Listing
    Pending
    $350,000

    LAND - Fernandina Beach, FL

    Lot size:
    1.00 Acre
    Added:
    Jan 2, 2026
    Days on Market:
    152
    Last Refresh:
    Jun 3 at 2:06 pm

    Property Features for 95164 SHELL MIDDEN Lane

    General Information

    Property type
    Land
    Property subtype
    Other
    Security features
    Security
    Standard status
    Pending
    APN
    382N28018100070000
    Lot size
    1.00 Acre

    Taxes and HOA fees

    Tax Year
    2025
    Tax Annual Amount
    4068

    Utilities

    Sewer type
    Public Sewer
    Water source
    Public
    Water front features
    Lake Front
    Water front
    1

    We can help!

    Listing Contact
    KRISTEN COWLING
    KRISTEN COWLING

    Listing agent KRISTEN COWLING License #3465396

    Listing office KELLER WILLIAMS REALTY ATLANTIC PARTNERS 4800 FIRST COAST HIGHWAY STE 230, Atlantic Beach, FL

    Listing date Jan 2, 2026

    MLS# 2123248 Listing URL

    Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

    HighLights

    • Unobstructed lake view homesite with gently sloping shoreline.
    • Exclusive gated community (Brady Point Preserve) with low density (76 homesites on 153 acres).
    • Waterfront property on a lake, bordered by Intracoastal Waterway/Amelia River.
    • Ample room for a pool overlooking the lake.
    • No CDD fees and county taxes only; not in a flood zone.
    • Minutes to Amelia Island beaches and historic Fernandina; 22 miles to JAX.

    Overview

    This waterfront homesite is located in Brady Point Preserve. The lot offers an open, unobstructed lake view with a gently sloping shoreline. The orientation of the lot allows for views from the primary living spaces of a custom home, with space for a pool. The wooded lot offers privacy and allows for selective clearing to frame the view. Brady Point is a gated enclave bordered by the Intracoastal Waterway and Amelia River. The community includes 76 homesites across 153 acres. Residents have access to The Landing, ideal for watching coastal wildlife. The property is not in a flood zone and has county taxes only, with no CDD fees. The property is located minutes from Amelia Island's beaches and historic downtown Fernandina, and 22 miles from JAX.
    Property Profile Location Intelligence

    Current Use by Public Records

    Waterfront Land

    Suggested Use

    Building Supply Spa & Massage Center Skin Care Clinic Travel Agency (Bike/Boat/Book/etc) Store

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    Fernandina Beach
    County
    Nassau
    State
    Florida
    Longitude
    -81.496653
    Latitude
    30.605373

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    FAQs

    What type of property is this?
    Waterfront Land - Waterfront homesite with unobstructed lake view in gated community.
    Where is this waterfront land located?
    The property is located at 95164 SHELL MIDDEN Lane Fernandina Beach, FL.
    What is the asking price?
    The asking price for this property is $350,000.
    What are key features of this property?
    This property features: Unobstructed lake view homesite with gently sloping shoreline.; Exclusive gated community (Brady Point Preserve) with low density (76 homesites on 153 acres).; Waterfront property on a lake, bordered by Intracoastal Waterway/Amelia River.
    (561) 215-0351
    We can help!
    Listing Contact
    KRISTEN COWLING
    KRISTEN COWLING
    Real Estate License ID: 3465396
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

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    95164 SHELL MIDDEN Lane, Fernandina Beach, FL 32034
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