This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Jul 30, 2025·61 days on market·Recent sales in Amelia Island
130 N 13th Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
This home tells a story — with original CHARACTER and details lovingly preserved and important UPGRADES already completed, so you can enjoy peace of mind and enjoy coastal style. Whether you're drawn to the rich texture of refinished PINE FLOORING or the expansive rear porch soaking up the sunlight, this home is TURN-KEY and in a convenient location near the park, downtown or 1mi to the beach! OUR FAVORITE FEATURES: REFINISHED PINE WOOD FLOORS, BRAND NEW ROOF, BRAND NEW TANKLESS WATER HEATER, SHIPLAP CEILINGS, GAS COOKING, SS APPLIANCES, ***FURNITURE INCLUDED!***, NEW FULLY PAVERED DRIVEWAY, BRAND NEW FULL FOUNDATION, PRIVATE BACKYARD, INDOOR/OUTDOOR OWNER SHOWER, AND LUSCIOUS LANDSCAPING! This is more than a home — it's a chance to own a piece of coastal craftsmanship with modern convenience. Schedule your private tour today and experience the charm for yourself.
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 1945)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,632 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): $2,868/yr
Estimated taxes if purchased at asking price: ~$11,400/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 $417/sq ft; this home is listed at $694/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1009 Calhoun Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $340,000 | $417 | 2/1 | 816 | 48 | 0.3 |
| 73 Oak Grove Place, Fernandina Beach, FL 32034Listed by COWFORD REALTY & DESIGN LLC | Mar 2026 | $365,000 | $333 | 2/1 | 1,095 | 2 | 0.3 |
| 112 S 14th Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Feb 2026 | $400,000 | $294 | 3/2 | 1,360 | 221 | 0.3 |
| 232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $500,000 | $548 | 2/2 | 912 | 60 | 0.4 |
| 1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $449,990 | $421 | 3/2 | 1,068 | 5 | 0.5 |
| 508 Stanley Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $280,000 | $280 | 2/1 | 1,000 | 3 | 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: SUMMER HOUSE REALTY (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 Jul 30, 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?
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Northeast Florida living
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