This lot is in Fernandina Beach.
Active·611 days on market
0 Atlantic Avenue
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this lot
Fernandina Beach
Discover the perfect opportunity to build your dream home just steps from the pristine shores of Fernandina Beach! This unimproved lot on Atlantic Ave offers the ideal location for beachside living. Imagine waking up where the smell and the sounds of the ocean are within view and a short walk. Enjoy all the amenities this charming coastal town has to offer. Whether you're looking to invest or create your own piece of paradise, this lot is a blank canvas awaiting your vision. Don't miss out on this rare find in a prime location! This lot is at one of the highest points in the city. Engineered house plans specific to this lot are available. Lot is in Flood Zone X Distance to Fresh Water 940 ft Distance to Salt Water less than 1 Mile Estimated Ground Elevation 35 ft NAVD88 See in Documents: Flood Zone Determination Supplemental Report
Next steps in Amelia Island
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Main Beach Parkabout 0.6 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 0.3 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 1 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 0.1 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 2 mi · 1385 Amelia Plaza, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $390,400 | $267,930 | — |
| 2024 | $390,400 | $243,573 | — |
| 2023 | $292,800 | $221,430 | — |
| 2022 | $219,600 | $201,300 | — |
| 2021 | $183,000 | $183,000 | — |
| 2020 | $183,000 | $183,000 | — |
2023 property taxes (current owner): $4,622/yr
Estimated taxes if purchased at asking price: ~$14,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Feb 25, 2025Listed$850,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $604,839 an acre; this lot is listed at $1,888,889 an acre.
| Address | Closed | Price | $/acre | Acres | DOM | Miles |
|---|---|---|---|---|---|---|
| 0 15th Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | May 2025 | $250,000 | $543,478 | 0.46 | 44 | 0.8 |
| 2423 Sadler Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2025 | $375,000 | $604,839 | 0.62 | 351 | 2 |
| 761 Wax Wing Lane, Fernandina Beach, FL 32034Listed by PURSUIT REAL ESTATE, LLC | Sep 2026 | $130,000 | $371,429 | 0.35 | 156 | 2.2 |
| 4 Palm Drive, Fernandina Beach, FL 32034Listed by LISTWITHFREEDOM.COM | Aug 2025 | $175,000 | $760,870 | 0.23 | 95 | 2.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this lot is worth; Krista runs the adjustments per lot.
Features
School Information
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: ALLIANCE REALTY & FINANCIAL SERVICES, INC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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