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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 Jul 31, 2025·126 days on market·Recent sales in Amelia Island

2328 Sadler Road 7-C

Fernandina Beach, FL 32034

$325,000sold priceListed at $349,000 · 93.1% of asking$411/sqftMLS# 2070587
2
Beds
2
Baths
791
Sq Ft
1983
Built
—
Garage
No
Pool
HOA $515/mo8.13 acresCondominium1 story

About this home

Fernandina Beach

THIS ONE IS SPECIAL! FURNISHED AMELIA LANDINGS condo now available- UPDATED AND TURN-KEY! Lovely community ***AMENITIES*** include Tennis, Pickleball, Private pool, Green space and BEACH TRAIL!!! This move-in-ready 2BR/2BA unit offers a perfect blend of comfort and convenience, whether you're looking for a full-time residence, vacation getaway, or investment opportunity. The open-concept living space is bright and inviting, featuring modern updates, a well-equipped kitchen, and a spacious SCREENED BALCONY for relaxing among the island's natural beauty. The primary suite includes an en-suite bath, while the second bedroom is ideal for guests or a home office. FULLY UPDATED BATHROOMS with coastal tile and new fixtures! WASHER/DRYER INCLUDED! Enjoy easy access to the beach, community pool, tennis courts, and local dining and shopping. With SHORT TERM RENTAL POTENTIAL, this unit offers flexibility and value in one of Amelia Island's most sought-after communities. Milestone COMPLETE!

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$1,800
Property taxesest. at asking price, Nassau County$449
HOAbilled monthly$515
Estimated total, before insurance$2,764/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,657/yr · $471/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

$325,000
$65,000
Loan Term
Monthly Payment
$1,800
Principal & Interest: $1,800
Property taxes (est.): $449
Insurance (est.): $217
Estimated Total Monthly
$2,466
*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: Shingle — year not disclosed (home built 1983)

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

Solar potential: ~1,531 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,657/yr

Estimated taxes if purchased at asking price: ~$5,400/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 $365/sq ft; this home is listed at $441/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2328 Sadler Road 5D, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYJul 2026$301,000$3922/27673240.1
2328 Sadler Road 7-F, Fernandina Beach, FL 32034Listed by NON MLS (realMLS)Dec 2025$270,000$3412/279180.1
2328 Sadler Road 6E, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPOct 2025$235,000$2972/27912190.1
2328 Sadler Road F4, Fernandina Beach, FL 32034Listed by MARK SPAIN REAL ESTATESep 2025$242,000$3162/27671120.1
2886 Forest Ridge Drive U6, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYMar 2026$372,000$3653/21,019600.3
2588 Forest Ridge Drive N-8, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSDec 2025$330,000$4142/1798290.3

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$349,000
Price / Sq Ft$441
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage791
Acres8.13 acres
Year Built1983
TypeResidential
Sub-TypeCondominium
StyleTraditional
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address2328 Sadler Road 7-C, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionAmelia Landings
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size354,142.8 sq ft
Parcel Number000031142L000700C0

Amenities

AmenitiesPool, Jogging Path, Pickleball, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot

Interior

Interior FeaturesPrimary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Oven, Electric Water Heater, Refrigerator, Washer, Washer/Dryer Stacked
HeatingCentral
CoolingElectric
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Lot DescriptionFew Trees
Patio / PorchCovered, Porch, Rear Porch, Screened
RoofShingle
ConstructionFrame, Wood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 15, 2025
Days on Market126
HOA Fees$515 / Monthly
HOA FrequencyMonthly
Tax Amount$5,656.6
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

Sold by: PREMIER AGENT NETWORK, INC (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 Jul 31, 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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