This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Dec 18, 2025·249 days on market·Recent sales in Amelia Island
1850 Surf Side Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to the coastal lifestyle you've been dreaming of. This beautifully maintained end-unit townhome in the gated Cape Sound community on Amelia Island offers elegant living just a short walk from the beach. Enjoy peaceful pond views, a private elevator, and resort-style amenities including a pool, fitness center, and clubhouse. Inside, the bright open layout features new flooring, a private study, and a gourmet kitchen with granite counters, soft-close cabinetry, and stainless-steel appliances. Two guest suites with private baths and a den fill the second level, while the top-floor primary suite is a true retreat with a sitting area, spa bath, and fountain views. Recent updates include newer HVAC, water heater, and softener. Perfect for full-time residents or luxury vacationers, this turn-key home delivers low-maintenance island living near boutique shopping, top dining, and the historic charm of downtown Fernandina Beach.
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.
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 2010)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,769 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Beach access 18, 1834 S Fletcher Aveabout 0.6 mi
Closest park or preserve
Egans Creek Greenwayabout 2 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 2 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 14 mi · Baseball, Football, Softball
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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 $444/sq ft; this home is listed at $291/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2152 Daylily Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $455,000 | $265 | 2/2.5 | 1,718 | 16 | 0.3 |
| 1419 Coastal Oaks Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $589,000 | $321 | 3/2.5 | 1,836 | 16 | 0.7 |
| 1560 Nectarine Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2025 | $609,000 | $332 | 3/2.5 | 1,836 | 230 | 0.8 |
| 2999 1st Avenue A, Fernandina Beach, FL 32034Listed by STILLWELL REAL ESTATE LLC | Aug 2025 | $890,000 | $444 | 3/3.5 | 2,006 | 6 | 1.2 |
| 2982 B 1st Avenue, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | May 2025 | $984,500 | $469 | 3/3.5 | 2,100 | 16 | 1.2 |
| 3024 S Fletcher Avenue A, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Aug 2026 | $1,350,000 | $744 | 3/3 | 1,814 | 7 | 1.3 |
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: DJ & LINDSEY REAL ESTATE (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 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
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Northeast Florida living
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