This home is in Fernandina Beach.

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Active

Active·68 days on market

1601 Nectarine Street D5

Fernandina Beach, FL 32034

$375,000$314/sqftEst. $1,996/moMLS# 2081671

Beds

Baths

1,193

Sq Ft

1999

Built

—

Garage

Pool

About this home

Fernandina Beach

Charming 3-Bed, 2-Bath Condo in the Heart of Amelia Island! Welcome to island living at its finest! This beautifully updated 3-bedroom, 2-bath condo is perfectly situated in a sought-after gated community in the heart of Amelia Island, just minutes from the beach. Step inside to find brand new laminate floors and a freshly painted interior that offers a clean, modern feel. The spacious layout includes tiled bathrooms, a large walk-in closet in the primary suite, and plenty of natural light throughout. Enjoy the resort-style amenities that make every day feel like a vacation — including a private pool, relaxing spa, grilling cabana, and a lush courtyard perfect for entertaining or unwinding. Plus, this pet-friendly community welcomes your furry friends! Whether you're looking for a primary residence, a vacation retreat, or an investment opportunity, this condo checks all the boxes. Don't miss your chance to own a slice of paradise on Amelia Island!

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,894

Principal & Interest: $1,894

Est. Taxes & Insurance: $474

Estimated Total Monthly

$2,368

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$1,996

Property taxesest. at asking price, Nassau County$518

HOAbilled monthly$475

Estimated total, before insurance$2,989/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$325,000	$251,240	—
2024	$322,000	$228,400	—
2023	$319,000	$207,636	—
2022	$257,000	$188,760	—
2021	$201,000	$171,600	—
2020	$156,000	$156,000	—

2024 property taxes (current owner): $4,774/yr

Estimated taxes if purchased at asking price: ~$6,200/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1999)

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

Sewer · Nassau County Utilities GDB - CITY OF FERNANDINA BEACH · Public water (record)

County records show this parcel on central sewer served by Nassau County Utilities GDB - CITY OF FERNANDINA BEACH — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,801 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History