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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 — an oceanfront home in Northeast Florida.

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Sold·Closed May 23, 2025·42 days on market·Recent sales in Amelia Island

1549 Piper Dunes Place #1549

Fernandina Beach, FL 32034

$2,525,000sold priceListed at $2,750,000 · 91.8% of asking$1178/sqftMLS# 2071531
3
Beds
3
Baths
2,144
Sq Ft
1994
Built
1
Garage
No
Pool
HOA $153/mo5.34 acresWaterfrontCondominium2 stories

About this home

Fernandina Beach

Experience the epitome of LUXURY living in this fully furnished OCEANFRONT 3-bedroom, 3-bathroom residence at Piper Dunes ,located within the prestigious Amelia Island Plantation. This RARE gem is one of just eight out of fifty-six Piper Dunes villas to offer a spacious wraparound balcony, providing stunning panoramic views of the pristine Atlantic Ocean. The home boasts an array of high-end upgrades, including a large quartz island, custom cabinetry, four pantries, and a stainless steel appliance package. Beautiful wood floors flow throughout, while the completely renovated bathrooms feature designer decorative tile. Residents enjoy two swimming pools, garage parking, and extra storage, with the added perk of an opportunity to join the Amelia Island Club. This villa is equipped with STORM SHUTTERS! Indulge in coastal resort living at its finest—you won't want to miss this exceptional opportunity!

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$13,986
Property taxesest. at asking price, Nassau County$3,486
HOAbilled annually$153
Estimated total, before insurance$17,625/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$27,402/yr · $2,284/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

$2,525,000
$505,000
Loan Term
Monthly Payment
$13,986
Principal & Interest: $13,986
Property taxes (est.): $3,486
Insurance (est.): $1,683
Estimated Total Monthly
$19,155
*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.

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): $27,402/yr

Estimated taxes if purchased at asking price: ~$41,800/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 $724/sq ft; this home is listed at $1,283/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1676 Sea Dunes Place 1676, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS FIRST COAST REALTYOct 2026$1,550,000$7243/3.52,14000.1
1417 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTMay 2026$2,195,000$1,0213/3.52,15070.1
11 Little Dunes Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESMay 2026$1,282,000$6083/32,108390.1
1424 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHAD AND SANDY REAL ESTATE GROUPDec 2025$935,000$4772/2.51,960430.1
1350 Shipwatch Circle, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMar 2026$1,040,000$6302/21,650280.2
1349 Shipwatch Circle, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTMay 2025$1,400,000$7803/31,79400.2

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$2,750,000
Price / Sq Ft$1,283
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,144
Acres5.34 acres
Year Built1994
TypeResidential
Sub-TypeCondominium
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address1549 Piper Dunes Place #1549, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionPiper Dunes
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size232,610.4 sq ft
Parcel Number026N29V0P015490000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewOcean
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
# of Stories2

Exterior

Exterior FeaturesBalcony, Storm Shutters
Patio / PorchWrap Around

Additional Information

Date ListedFebruary 21, 2025
Days on Market42
HOA Fees$1,838 / Annually
HOA FrequencyAnnually
HOA Fee IncludesInsurance, Trash, Water
Tax Amount$27,402.36
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: NON MLS (realMLS) (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 23, 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?

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