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This home is in Fernandina Beach.

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Active

Active·705 days on market

1015 Atlantic Avenue 310 & 312

Fernandina Beach, FL 32034

$2,200,000$924/sqftEst. $11,217/moMLS# 2044966

Beds

Baths

2,380

Sq Ft

2027

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to Park Place on Atlantic - Fernandina Beach's newest 55+ community designed for those who want more than a home—they want a lifestyle. Introducing the Jasmine Penthouse Floor Plan: a spacious 4-bedroom, 4-bath luxury residence with a flexible bonus space ideal as a 5th bedroom, office, or media room. With 2,380 sq ft of interior living space and two covered terraces offering scenic north and west views, the Jasmine blends privacy with proximity to everything Fernandina Beach has to offer. Designed for modern, low-maintenance living, it features premium finishes, smart home technology, and top-tier appliances. Community amenities include a resort-style pool with jetted spa, fitness center, rooftop terrace, guest suite, covered parking, EV charging stations, and private storage. Located just 1.6 miles from the beach and 2 blocks from Centre Street, this exceptional development offers comfort, convenience, and an elevated 55+ coastal lifestyle.

Cost to own

Mortgage calculator

Home Price

$2,200,000

Down Payment: 20%

$440,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$11,217

Principal & Interest: $11,217

Property taxes (est.): $3,037

Insurance (est.): $1,467

Estimated Total Monthly

$15,721

*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$11,217

Property taxesest. at asking price, Nassau County$3,037

HOAbilled monthly$1,696

Estimated total, before insurance$15,950/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

Last sold: $2,000,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$720,000	$663,607	—
2024	$632,022	$632,022	—
2023	$632,356	$632,356	—
2022	$600,200	$600,200	—
2021	$371,162	$371,162	—
2020	$371,342	$371,342	—

Estimated taxes if purchased at asking price: ~$36,400/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Concrete — year not disclosed (home built 2027)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

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