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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.

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Sold

Sold·Closed Feb 21, 2025·22 days on market·Recent sales in Amelia Island

596 Amelia Circle

Fernandina Beach, FL 32034

$550,000sold priceListed at $615,000 · 89.4% of asking$339/sqftMLS# 2065120
4
Beds
3
Baths
1,622
Sq Ft
2023
Built
1
Garage
No
Pool
No HOA11,761 sqft lotSingle Family Residence2 storiesNew construction

About this home

Fernandina Beach

Brand new construction in the heart of Amelia Island. This newly built upgraded home sits on a large lot less than two miles from the sandy beaches and the historic downtown center of Fernandina Beach. The oversized non-flood zone lot offers plenty of shade and privacy for this four-bedroom 3 bath home. The fully equipped kitchen features granite countertops, recessed lighting and stainless-steel appliances. Step out of your living room onto the large deck and enjoy the peace and quiet of your tree canopied filled backyard. Transform your yard into your own private oasis with a pool and garden or enjoy it as is with the native plants and wildlife. The well-built home features a 30-year architectural shingle roof, Hardie board siding and luxury vinyl plank flooring throughout. This brand-new home is move in ready! NO HOA! NO CDD FEES! NO DEED RESTRICTIONS!

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$3,046
Property taxesest. at asking price, Nassau County$759
Estimated total, before insurance$3,806/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,168/yr · $681/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

$550,000
$110,000
Loan Term
Monthly Payment
$3,046
Principal & Interest: $3,046
Property taxes (est.): $759
Insurance (est.): $367
Estimated Total Monthly
$4,172
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,601 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): $8,168/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

History

Price & status history

  • Jan 16, 2025Listed$615,000

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

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 $377/sq ft; this home is listed at $379/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$725,000$4223/21,718890.2
226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$755,000$3724/32,03220.8
410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$410,000$3153/21,30381.1
1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$2432/21,808141.2
704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCAug 2026$629,000$3773/2.51,668141.3
865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$750,000$3973/2.51,887751.4

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$615,000
Price / Sq Ft$379
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage1,622
Acres0.27 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUnder Construction
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address596 Amelia Circle, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionAmelia Island
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size11,761.2 sq ft
Parcel Number000031138300180000

Amenities

UtilitiesCable Available, Electricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned

Interior

Interior FeaturesKitchen Island, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionIrregular Lot, Wooded
Patio / PorchDeck
RoofShingle
ConstructionShell Dash
Other StructuresOther
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 16, 2025
Days on Market22
Tax Amount$8,168.14
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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 Feb 21, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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