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Active

Active·519 days on market

0 Atlantic Avenue

Fernandina Beach, FL 32034

$850,000Est. $4,334/moMLS# 2043734

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

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

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,334

Principal & Interest: $4,334

Property taxes (est.): $1,173

Insurance (est.): $567

Estimated Total Monthly

$6,074

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$4,334

Property taxesest. at asking price, Nassau County$1,173

Estimated total, before insurance$5,507/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• 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.

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.

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.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,681 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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.

History