This home is in Old Town, Fernandina Beach.
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Sold·Closed Apr 28, 2025·204 days on market·Recent sales in Old Town·Old Town
1114 White Street
Fernandina Beach, FL 32034
2 more homes for sale in Old Town →Search Old Town on the map
About this home
Old Town
Welcome to your newly built dream home in charming Old Town, ready for immediate move-in! Skip the endless wait of construction and embrace luxury living now in a fantastic location! You are just a quick ride to the pristine beaches of Amelia Island and Downtown Fernandina Beach, where you can shop and dine to your heart's content. This well-appointed dream home features a spacious 2-car garage with EV charging and ample overhead storage, natural light flooding every room, and impressive Restoration Hardware vanities and fixtures throughout. The kitchen is a chef's paradise with Fisher & Paykel appliances, an Italian ILVE Majestic range, full-overlay soft-close cabinetry running to the tall ceiling. The owner's suite offers generous space, a built-out walk-in closet, and the bathroom you've been dreaming of. Guests will feel at home upstairs in the common area at the landing, complemented by 3 bedrooms and 2 bathrooms, one is ensuite. Don't miss out on making this property yours!
Next steps in Old Town
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal, Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,743 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 homeThis 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,105,727 | $1,035,566 | — |
| 2024 | $198,050 | $135,326 | — |
| 2023 | $163,100 | $123,024 | — |
| 2022 | $111,840 | $111,840 | — |
| 2021 | $85,744 | $65,408 | — |
| 2020 | $74,560 | $59,462 | — |
2023 property taxes (current owner): $2,571/yr
Estimated taxes if purchased at asking price: ~$20,000/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.
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 $392/sq ft; this home is listed at $512/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 900 White Street, Fernandina Beach, FL 32034Listed by GAILEY ENTERPRISES LLC | Dec 2025 | $925,000 | $443 | 3/2.5 | 2,086 | 239 | 0.1 |
| 1015 Someruelus Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLC | Nov 2025 | $900,000 | $381 | 4/3.5 | 2,363 | 116 | 0.1 |
| 2041 Oak Marsh Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2025 | $625,000 | $334 | 3/2 | 1,872 | 49 | 0.5 |
| 1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $725,000 | $422 | 3/2 | 1,718 | 89 | 0.9 |
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 1 |
| 1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Apr 2026 | $839,000 | $392 | 4/2 | 2,138 | 88 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Sold by: ONE SOTHEBY'S INTERNATIONAL REALTY (buyer's brokerage)
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.
The neighborhood
About Old Town
Old Town is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Old Town homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 28, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
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