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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 Sep 12, 2025·87 days on market·Recent sales in Amelia Island

1411 Leon Street

Fernandina Beach, FL 32034

$515,000sold priceListed at $534,900 · 96.3% of asking$515/sqftMLS# 2087486
3
Beds
2
Baths
1,000
Sq Ft
1973
Built
1
Garage
No
Pool
No HOA8,276 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Renovated Island Cottage - Prime Location Near Beaches, Marinas and Downtown! This beautifully renovated 3-bedroom, 2-bath cottage offers the perfect blend of charm, comfort, and coastal convenience. Ideal for beach lovers and boaters, you'll be just minutes from three public boat ramps and all the best of island living. Step inside to discover a bright, open layout featuring all-new luxury vinyl plank flooring, New stainless steel appliances, quartz countertops, and a custom tile backsplash in the kitchen. The bathrooms have been tastefully updated, and the home includes fresh paint, new lighting, and stylish modern finishes throughout. Additional upgrades include:New HVAC system (2024),new hot water heater (2025),metal roof (2019), R-36 attic insulation for enhanced energy efficiency. This fully renovated island home is move-in ready— Don't miss your chance to own this island gem—it's ready for you to move in and enjoy the island lifestyle! No HOA!!

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$2,853
Property taxesest. at asking price, Nassau County$711
Estimated total, before insurance$3,564/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

$515,000
$103,000
Loan Term
Monthly Payment
$2,853
Principal & Interest: $2,853
Property taxes (est.): $711
Insurance (est.): $343
Estimated Total Monthly
$3,907
*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.

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 — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,575 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 home

This 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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 $410/sq ft; this home is listed at $535/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1010 N 15th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPMay 2026$494,900$5213/2950910.1
1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORPApr 2026$359,000$3213/21,118100.1
1010 N 15th Street, Fernandina Beach, FL 32034Listed by REDFIN CORPORATIONJul 2025$335,000$3533/1.5950290.1
1032 14th Street, Fernandina Beach, FL 32034Listed by NON MLS (realMLS)May 2025$410,000$4103/11,000980.1
1032 N 14th Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYMay 2025$410,000$4103/11,000980.1
29 N 14th Place, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSDec 2025$300,000$2604/21,1541680.2

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$534,900
Price / Sq Ft$535
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,000
Total Structure Area1,300 sq ft
Acres0.19 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address1411 Leon Street, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size8,276.4 sq ft
Lot Dimensions81x100
Parcel Number000031180002540011
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyInsulation
ParkingAdditional Parking, Attached, Garage

Interior

Interior FeaturesEat-in Kitchen
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Lot DescriptionCorner Lot
Patio / PorchDeck, Front Porch, Rear Porch
FencingFenced, Back Yard, Wood
RoofMetal
ConstructionFiber Cement, Frame
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 14, 2025
Days on Market87
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

Sold by: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 12, 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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