This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed May 22, 2025·34 days on market·Recent sales in Amelia Island
4986 Sea Watch Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Set on the third dune with commanding views of the Atlantic, this updated and ***COMPLETELY FURNISHED*** 3BR/3BA Sea Watch townhome delivers refined coastal living in the heart of gated Summer Beach Village. The modern kitchen pairs function with style, featuring honed granite countertops, glass tile backsplash, and upgraded stainless appliances. Pocket door to convenient laundry w/apron sink and washer/dryer INCLUDED. ***HIGHLIGHTS: Travertine Flooring, Refrigerated Wine Bar, Elegant main level Powder Room, 3 En-Suite Bedrooms, Oceanfront Balcony, Two-Car Garage, new wooden treads and wood flooring upper level & Community Pool Access. Oceanfront primary suite with panoramic views and shared balcony access—perfect for morning sunrises and stargazing at night. Owner bathroom boasts double sinks, spacious zero entry shower with frameless glass, oversized linen closet and custom owner closet. ROOF 2 years new, DAIKIN HVAC system in 2020. Schedule your private showing today!
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 (that applies to the reference bill above too).
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: Shingle — year not disclosed (home built 1991)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,141 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 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 access
Scott Road Beach Accessabout 0.2 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 11 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
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $18,819/yr
Estimated taxes if purchased at asking price: ~$30,600/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 $462/sq ft; this home is listed at $903/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1872 Oceanside Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $1,000,000 | $537 | 3/2 | 1,863 | 12 | 0.1 |
| 1798 Jackson Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2025 | $1,110,000 | $462 | 3/2 | 2,402 | 6 | 0.2 |
| 1793 Arbor Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jul 2025 | $765,000 | $383 | 3/2 | 1,996 | 1 | 0.3 |
| 4988 Spanish Oaks Circle, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jun 2025 | $965,000 | $471 | 3/2 | 2,050 | 101 | 0.3 |
| 1788 Fairway Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Feb 2026 | $1,024,000 | $375 | 3/3 | 2,733 | 60 | 0.4 |
| 1750 Regatta Drive, Fernandina Beach, FL 32034Listed by MILLER & COMPANY REAL ESTATE | Apr 2026 | $825,000 | $427 | 3/2 | 1,932 | 14 | 0.5 |
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: 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 22, 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
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