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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 Jun 12, 2025·81 days on market·Recent sales in Amelia Island

111 S 7th Street

Fernandina Beach, FL 32034

$1,750,000sold priceListed at $1,850,000 · 94.6% of asking$471/sqftMLS# 2068195
5
Beds
4.5
Baths
3,712
Sq Ft
1900
Built
2
Garage
No
Pool
No HOASingle Family Residence2 stories

About this home

Fernandina Beach

Historic Coastal Farmhouse with Modern Elegance | 111 S 7th St, Fernandina Beach! This beautifully restored home blends timeless character with modern convenience. Situated on a 100x100 lot and zoned R2, this home offers a unique opportunity for exceptional living and versatile use. The (3BR) main house is a masterpiece of craftsmanship, featuring reclaimed HEART PINE FLOORING, raised smooth ceilings, and original cast iron tubs paired with updated marble double sinks. The gourmet kitchen is thoughtfully designed with WOLF appliances, soapstone countertops, deep custom cabinets and a striking tile backsplash. Modern upgrades like PELLA windows, spray foam insulation, and hurricane roof-to-ground screws provide comfort and peace of mind. The outdoor spaces are designed for entertaining, boasting an Ipè breezeway and deck, a slate patio with a party bar and grill, a 12-person hot tub, and a water feature. Too many upgrades to list! Call soon to experience this home firsthand!

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$9,693
Property taxesest. at asking price, Nassau County$2,416
Estimated total, before insurance$12,109/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,750,000
$350,000
Loan Term
Monthly Payment
$9,693
Principal & Interest: $9,693
Property taxes (est.): $2,416
Insurance (est.): $1,167
Estimated Total Monthly
$13,276
*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 1900)

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

Solar potential: ~1,781 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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.

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 $297/sq ft; this home is listed at $498/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
230 S 3rd Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2025$2,300,000$6405/63,5941240.2
314 S 7th Street, Fernandina Beach, FL 32034Listed by AMELIA SUNRISE REALTYMay 2025$1,000,000$2975/3.53,368610.2
1626 Broome Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJul 2025$874,575$2046/3.54,2812610.8
485 Starboard Landing, Fernandina Beach, FL 32034Listed by RE/MAX SPECIALISTSJul 2025$930,000$2645/43,523951.4
2618 Countess Of Egmont Street, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMay 2025$1,175,000$2854/44,1212211.5
532 Sea Island Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYApr 2026$1,900,000$6273/33,03231.7

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$1,850,000
Price / Sq Ft$498
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,712
Year Built1900
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address111 S 7th Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Dimensions100X100
Parcel Number00-00-31-1800-0038-0070
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Range, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringWood
FireplaceNo
# of Fireplaces0
# of Stories2
LaundryLower Level
Spa FeaturesAbove Ground

Exterior

Exterior FeaturesBalcony, Courtyard, Fire Pit, Outdoor Kitchen
Lot DescriptionHistoric Area
Patio / PorchCovered, Front Porch, Patio, Porch, Side Porch
FencingBack Yard
RoofMetal
ConstructionFrame, Wood Siding
Other StructuresGuest House
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 3, 2025
Days on Market81
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

Sold by: SUMMER HOUSE 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 12, 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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