This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Aug 1, 2025·124 days on market·Recent sales in Amelia Island
230 S 3rd Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Discover unparalleled craftsmanship and elegance in this 2019 John Cotner-designed custom home, ideally located just steps from Amelia Island's enchanting downtown Centre Street. With its boutique shops and delightful dining options, the vibrant atmosphere is at your doorstep. Perfectly blending timeless design and modern luxury, this exquisite property boasts high-end finishes throughout. This meticulously crafted home features a heated POOL, Cambria quartz countertops, Trex composite decking, Professional Landscape Lighting, and Andersen windows and doors for effortless elegance and durability. The chef's kitchen is a dream, equipped with a Subzero refrigerator, Wolf range, dual Miele dishwashers, and a Scotsman ice maker. Indulge in the spa-like 4-person Steam Sauna, enjoy pristine water from the reverse osmosis system, and experience endless hot water with two Rinnai tankless water heaters. The home also includes a water softener and a Generac whole-house Generator for added
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,728 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 homeThis 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.
Closest beach parking
Main Beach Parkabout 2 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 2 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 0.2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 1 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 15 mi · Baseball, Football, Softball
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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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 $397/sq ft; this home is listed at $710/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 212 S 6th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2026 | $1,000,000 | $397 | 3/2 | 2,516 | 51 | 0.2 |
| 111 S 7th Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2025 | $1,750,000 | $471 | 5/4.5 | 3,712 | 81 | 0.2 |
| 314 S 7th Street, Fernandina Beach, FL 32034Listed by AMELIA SUNRISE REALTY | May 2025 | $1,000,000 | $297 | 5/3.5 | 3,368 | 61 | 0.2 |
| 1606 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $1,190,000 | $467 | 3/3 | 2,547 | 3 | 0.9 |
| 1626 Broome Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jul 2025 | $874,575 | $204 | 6/3.5 | 4,281 | 261 | 1 |
| 485 Starboard Landing, Fernandina Beach, FL 32034Listed by RE/MAX SPECIALISTS | Jul 2025 | $930,000 | $264 | 5/4 | 3,523 | 95 | 1.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Sold by: AMELIA ISLAND REAL ESTATE SERVICES (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 1, 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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