This home is in Fernandina Beach.

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Active

Active·291 days on market

3327 Sea Marsh Road

Fernandina Beach, FL 32034

$595,000$425/sqftEst. $3,034/moMLS# 2050154

Beds

Baths

1,400

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

Experience coastal living in this beautifully furnished 2-bedroom, 2-bath villa nestled within the gated community of Amelia Island Plantation. Designed for effortless living and entertaining, the open-concept floorplan is filled with natural light and showcases sweeping golf course views throughout. The serene primary retreat offers a private escape, while a patio provides the opportunity to further enhance your outdoor living oasis. Indulge in resort-style amenities, including two community pools and access to the unmatched offerings of Amelia Island Plantation. Enjoy 3.5 miles of pristine beaches, championship golf, tennis, and pickleball, along with scenic walking and biking trails. Enjoy Walker's Landing taking in stunning sunsets, or enjoy fishing, kayaking, and crabbing. On-site fine dining, boutique shopping, and a spa complete the experience. An opportunity to own a coastal retreat with rental potential in one of the most coveted communities. Short term rentals allowed!

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,034

Principal & Interest: $3,034

Property taxes (est.): $821

Insurance (est.): $397

Estimated Total Monthly

$4,252

*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$3,034

Property taxesest. at asking price, Nassau County$821

HOAbilled monthly$1,145

Estimated total, before insurance$5,000/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	$550,000	$376,457	—
2024	$497,000	$342,234	▼ $3,000
2023	$457,000	$311,122	—
2022	$423,000	$282,838	—
2021	$283,000	$257,125	—
2020	$253,500	$233,750	—

2023 property taxes (current owner): $6,163/yr

Estimated taxes if purchased at asking price: ~$9,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1974)

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: ~1,149 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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