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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.

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Sold

Sold·Closed Jul 11, 2025·77 days on market·Recent sales in Amelia Island

1604 Canterbury Rd Lane

Fernandina Beach, FL 32034

$530,000sold priceListed at $568,000 · 93.3% of asking$345/sqftMLS# 2084779
3
Beds
2
Baths
1,537
Sq Ft
1987
Built
2
Garage
No
Pool
HOA $10/moSingle Family Residence1 story

About this home

Fernandina Beach

Located in the heart of Lakewood, this home offers true island living—just a quick golf cart ride to the beach, Historic Downtown Fernandina, local shops, and favorite restaurants. Well-maintained with big-ticket updates already complete, including a new roof (2023), updated GFCIs, and all-new luxury vinyl plank flooring. Inside, you'll find an open floor plan, vaulted ceilings, and natural light from skylights. The spacious screened-in porch overlooks a backyard retreat—perfect for families, pets, or relaxing in the Florida sunshine. Comes equipped with a brand-new washer, dryer, and stove—just move right in and start enjoying coastal life!

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$2,936
Property taxesest. at asking price, Nassau County$732
HOAbilled annually$10
Estimated total, before insurance$3,677/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$530,000
$106,000
Loan Term
Monthly Payment
$2,936
Principal & Interest: $2,936
Property taxes (est.): $732
Insurance (est.): $353
Estimated Total Monthly
$4,021
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

Last sold: $506,900 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$434,637$341,402—
2024$406,856$331,073—
2023$351,358$81,195—
2022$357,431$77,374—
2021$239,792$73,664—
2020$226,542$71,957—

Estimated taxes if purchased at asking price: ~$8,800/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.

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 $418/sq ft; this home is listed at $370/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$575,000$3493/21,6491010.3
96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$755,000$3814/21,984880.3
2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$642,000$3643/2.51,76420.4
1505 Lakeside Court, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$830,000$4363/2.51,9021430.5
2816 Bob White Lane, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY MJul 2026$670,000$4193/21,600410.6
2753 Amelia Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYAug 2026$585,000$4182/21,400150.7

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$568,000
Price / Sq Ft$370
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,537
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address1604 Canterbury Rd Lane, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionLakewood
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number00-00-31-143A-0010-0020

Amenities

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

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven
HeatingHeat Pump
CoolingElectric
# of Stories1
LevelsOne

Additional Information

Date ListedApril 30, 2025
Days on Market77
HOA Fees$120 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

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 Jul 11, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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