This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Sep 22, 2025·107 days on market·Recent sales in Amelia Island
548 Sea Island Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Nestled behind the private gates of Ocean Gallery on Amelia Island's sought-after north end, 548 Sea Island Drive is a rare custom-built home that blends luxurious design, modern technology, and unmatched privacy. Just a short walk from the beach, this stunning three-level home with elevator offers the perfect balance of coastal living and sophisticated amenities. Designed with beauty and functionality in mind, the home features a state-of-the-art audio system, a fully equipped movie theater (easily convertible to an additional bedroom), and a chef-inspired kitchen with quartz countertops, soft-close cabinetry, high-end gas appliances, and an oversized walk-in pantry. The opulent master suite is a true retreat with custom closets and a spa-like bath featuring a multi-head shower with body jets. Throughout the home, you'll find high-end finishes, hardwood-look tile, custom paint, and refined architectural details. Versatile living spaces include a media room, second-floor beverage bar
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: Metal — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,789 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 6N, Ocean Ave. & E 3rd St.about 0.1 mi
Closest park or preserve
Fort Clinch State Parkabout 0.4 mi · 6.1 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 0.6 mi · Egan's Creek
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 and pool on the west side. Today at this address: sunrise 7:29 AM, sunset 6:52 PM.
- A pool back here is the warmest in town and glitters in the evening.
- 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $13,103/yr
Estimated taxes if purchased at asking price: ~$29,000/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 $462/sq ft; this home is listed at $638/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 532 Sea Island Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Apr 2026 | $1,900,000 | $627 | 3/3 | 3,032 | 3 | 0 |
| 341 N Fletcher Avenue, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | May 2025 | $1,555,000 | $462 | 4/4 | 3,363 | 164 | 0.2 |
| 2210 Atlantic Avenue, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | May 2025 | $800,000 | $399 | 3/2 | 2,004 | 53 | 0.6 |
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 0.8 |
| 2019 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Dec 2025 | $1,185,000 | $544 | 3/3.5 | 2,178 | 128 | 0.8 |
| 1702 Highland Dunes Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2025 | $840,000 | $368 | 4/3 | 2,284 | 26 | 0.8 |
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 Sep 22, 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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines