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 16, 2025·26 days on market·Recent sales in Amelia Island

1702 Highland Dunes Court

Fernandina Beach, FL 32034

$840,000sold priceListed at $860,000 · 97.7% of asking$368/sqftMLS# 2077731
4
Beds
3
Baths
2,284
Sq Ft
2015
Built
2
Garage
No
Pool
HOA $21/mo9,148 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Discover this charming coastal home on Amelia Island, just a short stroll from the beach and local dining. With 4 bedrooms and 3 bathrooms, the home features 10-ft ceilings downstairs and fresh interior and exterior paint. The kitchen boasts granite countertops, a gas stove with liquid propane, and a refrigerator that conveys. Enjoy the open living space with large double sliding glass doors leading to a screened-in porch and an oversized paver patio, perfect for entertaining. The fenced-in backyard offers privacy with mature trees and a low-maintenance artificial turf green space. The spacious primary suite includes dual sinks, a soaker tub, and a glass and tiled shower. Guest bedrooms feature shiplap detailing, while an upstairs bonus room with en suite bath is perfect for guests or in-laws, textured LVP flooring and large windows allowing ample natural light! With a beautifully landscaped exterior, paver driveway, and rocking chair front porch, let's make this 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$4,653
Property taxesest. at asking price, Nassau County$1,160
HOAbilled annually$21
Estimated total, before insurance$5,833/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$11,671/yr · $973/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

$840,000
$168,000
Loan Term
Monthly Payment
$4,653
Principal & Interest: $4,653
Property taxes (est.): $1,160
Insurance (est.): $560
Estimated Total Monthly
$6,372
*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 2015)

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

Solar potential: ~1,354 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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): $11,671/yr

Estimated taxes if purchased at asking price: ~$13,900/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 $467/sq ft; this home is listed at $377/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2026$685,000$3165/32,17000.1
1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYApr 2026$839,000$3924/22,138880.1
1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$725,000$4223/21,718890.3
22 N 17th Street, Amelia Island, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2025$1,349,000$5774/32,336760.3
1606 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$1,190,000$4673/32,54730.4
2019 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYDec 2025$1,185,000$5443/3.52,1781280.4

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$860,000
Price / Sq Ft$377
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,284
Acres0.21 acres
Year Built2015
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1702 Highland Dunes Court, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionAmelia Island
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size9,147.6 sq ft
Parcel Number000031137500280000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Gas Range, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringLaminate, Vinyl
# of Stories1
LevelsOne and One Half
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Rear Porch, Screened
FencingBack Yard, Privacy, Vinyl
RoofShingle
ConstructionFrame
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedMarch 26, 2025
Days on Market26
HOA Fees$250 / Annually
HOA FrequencyAnnually
Tax Amount$11,670.79
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

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 16, 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