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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Fernandina Beach High School.

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Sold

Sold·Closed May 9, 2025·98 days on market·Recent sales in Amelia Island

1032 N 14th Street

Fernandina Beach, FL 32034

$410,000sold priceListed at $420,000 · 97.6% of asking$410/sqftMLS# 2064121
3
Beds
1
Baths
1,000
Sq Ft
1974
Built
—
Garage
No
Pool
No HOA7,405 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Are you searching for the perfect home to complement your island lifestyle? Look no further than 1032 N 14th Street. This charming property offers three bedrooms, one fully updated bathroom, and vinyl plank flooring throughout. Additional features include a carport, a covered back deck, and a spacious, fenced-in yard—ideal for relaxation or outdoor activities. Located in a prime area, this home provides easy access to a variety of island attractions. Whether you're a boater, surfer, nature enthusiast, or simply enjoy dining out and strolling to watch the sunset in Downtown Fernandina, everything you need is just moments away. Enjoy the convenience of being close to Old Town, Dee Dee Bartels Boat Ramp, Egan's Creek Park, Fort Clinch, Main Beach, and just two minutes from the heart of Downtown Fernandina Beach. Begin living the life you've always dreamed of at 1032 N 14th Street today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,271
Property taxesest. at asking price, Nassau County$566
Estimated total, before insurance$2,837/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,809/yr · $401/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$410,000
$82,000
Loan Term
Monthly Payment
$2,271
Principal & Interest: $2,271
Property taxes (est.): $566
Insurance (est.): $273
Estimated Total Monthly
$3,110
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 — year not disclosed (home built 1974)

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

Solar potential: ~1,594 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

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,809/yr

Estimated taxes if purchased at asking price: ~$6,800/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, 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 $467/sq ft; this home is listed at $420/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORPApr 2026$359,000$3213/21,118100
1032 14th Street, Fernandina Beach, FL 32034Listed by NON MLS (realMLS)May 2025$410,000$4103/11,000980
1010 N 15th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPMay 2026$494,900$5213/2950910.1
1411 Leon Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2025$515,000$5153/21,000870.1
1010 N 15th Street, Fernandina Beach, FL 32034Listed by REDFIN CORPORATIONJul 2025$335,000$3533/1.5950290.1
1127 N 15th Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJun 2025$415,000$4672/1888210.1

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

Price$420,000
Price / Sq Ft$420
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,000
Acres0.17 acres
Year Built1974
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1032 N 14th Street, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size7,405.2 sq ft
Parcel Number000031180002540032
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available
SewerPublic Sewer
Water SourcePublic
ParkingCarport

Interior

Interior FeaturesCeiling Fan(s)
AppliancesElectric Range, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryIn Carport

Exterior

Patio / PorchPorch, Rear Porch
FencingBack Yard
RoofMetal

Additional Information

Date ListedJanuary 10, 2025
Days on Market98
Tax Amount$4,809.38
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 9, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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