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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 Ship Watch, Fernandina Beach — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed May 6, 2025·0 days on market·Recent sales in Ship Watch·Ship Watch

1349 Shipwatch Circle

Fernandina Beach, FL 32034

$1,400,000sold priceListed at $1,475,000 · 94.9% of asking$780/sqftMLS# 2085963
3
Beds
3
Baths
1,794
Sq Ft
1975
Built
—
Garage
No
Pool

3 more homes for sale in Ship Watch →Search Ship Watch on the map

HOA $153/mo4.44 acresWaterfrontCondominium1 story

About this home

Ship Watch

ENTERED IN FOR COMPS PURPOSES. Enjoy sweeping view of the Atlantic from this END UNIT villa in the desirable Shipwatch Villas community of the gated Amelia Island Plantation! There is so much to love about this desirable single level, 5th FLOOR villa; tons of natural light, TWO balconies, and ocean views from most all rooms! Sold FURNISHED & turnkey for immediate use as a family getaway or income producing property with no community rental restrictions! Freshly painted interior and Brazilian Cherry LVP flooring throughout the main areas with carpeted bedrooms. The light and bright kitchen, with white cabinetry and breakfast bar, open to both the living room and dining room with a built-in beverage bar featuring butcher block top and two wine coolers! All main living spaces are open, creating a great flow and making entertaining a breeze! Access to the tiled oceanfront balcony can be reached by both the living AND dining rooms, great for al fresco oceanside meals. The spacious owner's

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$7,755
Property taxesest. at asking price, Nassau County$1,933
HOAbilled annually$153
Estimated total, before insurance$9,841/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$15,959/yr · $1,330/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,400,000
$280,000
Loan Term
Monthly Payment
$7,755
Principal & Interest: $7,755
Property taxes (est.): $1,933
Insurance (est.): $933
Estimated Total Monthly
$10,621
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $15,959/yr

Estimated taxes if purchased at asking price: ~$23,200/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, 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 $630/sq ft; this home is listed at $822/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1391 Shipwatch Circle, Fernandina Beach, FL 32034Listed by COMPASS FLORIDA LLCJul 2026$965,000$7642/21,263540
1350 Shipwatch Circle, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMar 2026$1,040,000$6302/21,650280
1334 Shipwatch Circle 1334, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJan 2026$810,000$5932/21,367240
1368 Shipwatch Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2025$850,000$6092/21,3951060
1417 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTMay 2026$2,195,000$1,0213/3.52,15070.1
1424 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHAD AND SANDY REAL ESTATE GROUPDec 2025$935,000$4772/2.51,960430.1

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

Price$1,475,000
Price / Sq Ft$822
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,794
Acres4.44 acres
Year Built1975
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address1349 Shipwatch Circle, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionShip Watch
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size193,406.4 sq ft
Parcel Number016N29V12013490000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingParking Lot
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Disposal, Dryer, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
# of Stories1

Additional Information

Date ListedMay 6, 2025
Days on Market0
HOA Fees$1,838 / Annually
HOA FrequencyAnnually
Tax Amount$15,959.15
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Sold by: AMELIA ISLAND REAL ESTATE SERVICES (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 Ship Watch

Ship Watch is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Ship Watch homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 6, 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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