Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — an oceanfront home in Northeast Florida.

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Active

Active·662 days on market

1302 Shipwatch Circle

Fernandina Beach, FL 32034

$1,299,000$610/sqftEst. $6,699/moMLS# 2051800

Beds

Baths

2,131

Sq Ft

1975

Built

—

Garage

Pool

About this home

Fernandina Beach

Located in the Amelia Island Plantation resort ''crown jewel of Amelia Island '' it is steps from the private beach. This spacious oceanfront villa is great for relaxation with two (2) balconies. It has heated pool, ocean view barbeque, along with room for your bikes, golf cart, and individual building storage rooms for your toys. Updated kitchen has granite countertops and newer appliances. Attractively decorated and being sold fully furnished, with linens, supplies in large housekeepers closet, plates/silverware, etc. if you wish to rent it out. It has excellent rental potential with no restrictions (i.e. long/short term, vacation rentals). It is a smart home set up for offsite owner management/control (door locks, thermostat, etc) Beach front living at it's best!

Cost to own

Mortgage calculator

Home Price

$1,299,000

Down Payment: 20%

$259,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$6,699

Principal & Interest: $6,699

Property taxes (est.): $1,793

Insurance (est.): $866

Estimated Total Monthly

$9,358

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$6,699

Property taxesest. at asking price, Nassau County$1,793

HOAbilled monthly$1,383

Estimated total, before insurance$9,875/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	$912,000	$719,898	—
2024	$903,000	$654,453	—
2023	$868,000	$594,957	—
2022	$643,000	$540,870	—
2021	$536,000	$491,700	—
2020	$447,000	$447,000	—

2023 property taxes (current owner): $11,656/yr

Estimated taxes if purchased at asking price: ~$21,500/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: Metal — year not disclosed (home built 1975)

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: ~1,746 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

Price & status history

Oct 14, 2024Listed$1,299,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,299,000

Price / Sq Ft$610

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,131

Acres4.44 acres

Year Built1975

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontYes

Community Information

Address1302 Shipwatch Circle, Fernandina Beach, FL 32034

Area460-Amelia Island Plantation

SubdivisionShip Watch

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size193,406.4 sq ft

Parcel Number016N29V12013020000

Amenities

AmenitiesPool

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Electric Vehicle Charging Station(s), Guest, Parking Lot, RV Access/Parking, Secured

ViewOcean

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar, Other

AppliancesDisposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

# of Stories5

LevelsThree Or More