This home is in Old Town, Fernandina Beach.
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Sold·Closed Dec 18, 2025·239 days on market·Recent sales in Old Town·Old Town
900 White Street
Fernandina Beach, FL 32034
2 more homes for sale in Old Town →Search Old Town on the map
About this home
Old Town
Welcome to your dream home in the heart of Fernandina's historic Old Town district! This custom-built Eric Moser design, completed in 2021, perfectly blends modern luxury with timeless charm. With meticulous attention to detail, this home offers a wide range of premium features that elevate your living experience. As you enter, you'll be greeted by wide plank hardwood flooring and custom window treatments throughout the home, creating a warm, sophisticated atmosphere. The kitchen is a culinary dream, featuring top-of-the-line GE Cafe Appliances, including a French door oven, complemented by custom cabinetry for both style and practical storage. The open floor plan and 10-ft ceilings on the first floor, paired with 9-ft ceilings on the second, enhance the spacious feel, while the 8-ft exterior doors offer an inviting sense of grandeur. Designed for comfort and efficiency, this home boasts a sprayed insulated attic, ensuring optimal temperature control year-round.
Next steps in Old Town
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: Metal — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,660 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $9,801/yr
Estimated taxes if purchased at asking price: ~$15,300/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 $392/sq ft; this home is listed at $477/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1015 Someruelus Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLC | Nov 2025 | $900,000 | $381 | 4/3.5 | 2,363 | 116 | 0.1 |
| 2041 Oak Marsh Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2025 | $625,000 | $334 | 3/2 | 1,872 | 49 | 0.6 |
| 709 Amelia Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2025 | $445,000 | $276 | 3/2 | 1,612 | 132 | 0.9 |
| 1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $725,000 | $422 | 3/2 | 1,718 | 89 | 1 |
| 1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Apr 2026 | $839,000 | $392 | 4/2 | 2,138 | 88 | 1 |
| 1912 Sunrise Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2025 | $1,081,000 | $711 | 3/2.5 | 1,520 | 21 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: GAILEY ENTERPRISES LLC
Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (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.
The neighborhood
About Old Town
Old Town is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor

Krista Fracke
Broker Associate
This home sold on Dec 18, 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.

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



