Skip to main content
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.

No photos available

This listing has no photos yet

Sold

Sold·Closed May 8, 2025·16 days on market·Recent sales in Amelia Island

2982 B 1st Avenue

Fernandina Beach, FL 32034

$984,500sold priceListed at $997,000 · 98.7% of asking$469/sqftMLS# 2077701
3
Beds
3.5
Baths
2,100
Sq Ft
2000
Built
2
Garage
Yes
Pool
No HOA5,227 sqft lotTownhouse3 stories

About this home

Fernandina Beach

Stunning retreat...just steps from the shore! This spectacular property is your opportunity to live just a moment from the beach on Amelia Island. You will delight in living here every day! Or, use as a rental as it carries the sought-after R-3 zoning! But, once you step inside you may never want to leave. This island dream has been beautifully renovated & the designated chef will smile while cooking in the gorgeous kitchen. Entertain guests in the open space which is filled with natural light. Open to the kitchen & dining space, the living room overlooks the pool below. Living room, kitchen, dining, master suite & half bath are on the 2nd level. One floor up is the sun deck where you can watch the sunrise & catch a partial view of the ocean. Ground level features two ensuite BRs, laundry, garage, & the screened porch which opens onto the HEATED & COOLED gunite pool. An oasis of luxurious coastal living, impeccably maintained. New roof 2025. Dont wait...the sea is calling. Hurry home.

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$5,453
Property taxesest. at asking price, Nassau County$1,359
Estimated total, before insurance$6,812/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

$984,500
$196,900
Loan Term
Monthly Payment
$5,453
Principal & Interest: $5,453
Property taxes (est.): $1,359
Insurance (est.): $656
Estimated Total Monthly
$7,469
*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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,758 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.

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 $444/sq ft; this home is listed at $475/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2999 1st Avenue A, Fernandina Beach, FL 32034Listed by STILLWELL REAL ESTATE LLCAug 2025$890,000$4443/3.52,00660
3024 S Fletcher Avenue A, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYAug 2026$1,350,000$7443/31,81470.1
3240 Fletcher Avenue 665, Fernandina Beach, FL 32034Listed by FLATFLEE.COM INCJan 2026$850,000$5333/21,5961380.2
2152 Daylily Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2025$455,000$2652/2.51,718161.1
1850 Surf Side Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYDec 2025$625,000$2603/3.52,4042491.2
1419 Coastal Oaks Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$589,000$3213/2.51,836162

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$997,000
Price / Sq Ft$475
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,100
Acres0.12 acres
Year Built2000
TypeResidential
Sub-TypeTownhouse
StyleVilla
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Heated, Waterfall
Is WaterfrontNo

Community Information

Address2982 B 1st Avenue, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionHutchins South Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size5,227.2 sq ft
Lot Dimensions41 x 120
Parcel Number000031139000090000
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Gas Range, Ice Maker, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories3
LevelsThree Or More
LaundryIn Unit

Exterior

Exterior FeaturesBalcony, Outdoor Shower
Lot DescriptionCorner Lot
Patio / PorchDeck, Patio, Porch, Screened
FencingFull, Privacy
RoofMetal
ConstructionOther, Frame
Road SurfacePaved

Additional Information

Date ListedMarch 26, 2025
Days on Market16
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Sold by: DIAMOND REALTY GROUP OF AMELIA ISLAND (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 8, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines