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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 — a home near Fernandina Beach High School.

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Sold

Sold·Closed Jan 15, 2026·138 days on market·Recent sales in Amelia Island

3240 Fletcher Avenue 665

Fernandina Beach, FL 32034

$850,000sold priceListed at $869,000 · 97.8% of asking$533/sqftMLS# 2087996
3
Beds
2
Baths
1,596
Sq Ft
1973
Built
—
Garage
No
Pool
HOA $809/mo4.63 acresWaterfrontCondominium1 story

About this home

Fernandina Beach

Beautiful oceanfront ''Amelia By the Sea'' Condo For Sale! Excellent Investment Opportunity and Strong Vacation Rental History. Turn Key, fully furnished, 6th floor 3/2 condo offers stunning ocean views. Live large in the expansive open floor plan. Tastefully decorated, this unit provides a full-size washer & dryer. Relax in the oversized master with ensuite bathroom and wake to a gorgeous sunrise. Two additional bedrooms and a full bath complete this well-maintained unit. Whether relaxing at the beach or cooling off at the newly updated oceanside pool, this serene setting provides a perfect getaway. This attractive unit has a newer HVAC system, new dryer, balcony Polywood captain's chairs, and updated living room furniture. Enjoy the only fishing pier on the island, racquet courts, BBQ area, community center, as well as direct access to the sandy beaches of Amelia Island. Fully gated for your security and privacy.

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$4,708
Property taxesest. at asking price, Nassau County$1,173
HOAbilled monthly$809
Estimated total, before insurance$6,691/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$11,395/yr · $950/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

$850,000
$170,000
Loan Term
Monthly Payment
$4,708
Principal & Interest: $4,708
Property taxes (est.): $1,173
Insurance (est.): $567
Estimated Total Monthly
$6,448
*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): $11,395/yr

Estimated taxes if purchased at asking price: ~$14,100/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 $619/sq ft; this home is listed at $544/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3240 Fletcher Avenue 560, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYFeb 2026$750,000$6412/21,170210
3350 S Fletcher Avenue F7, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC.May 2026$685,000$6062/21,130840.1
3350 S Fletcher Avenue C5, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYFeb 2026$700,000$6192/21,1301830.1
3350 Fletcher Avenue 6J, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYNov 2025$700,000$6192/21,1301330.1
3350 S Fletcher Avenue #7I, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPJul 2025$685,000$6062/21,1301470.1
3024 S Fletcher Avenue A, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYAug 2026$1,350,000$7443/31,81470.2

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$869,000
Price / Sq Ft$544
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,596
Acres4.63 acres
Year Built1973
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address3240 Fletcher Avenue 665, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionAmelia By The Sea
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size201,682.8 sq ft
Parcel Number000031101000650000

Amenities

AmenitiesPool, Clubhouse, Elevator(s), Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Guest
ViewOcean
Waterfront TypeOcean Front

Interior

Interior FeaturesWalk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
SecurityKey Card Entry

Exterior

Exterior FeaturesBalcony
ConstructionBlock, Concrete

Additional Information

Date ListedMay 30, 2025
Days on Market138
HOA Fees$809 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Sewer, Trash, Water
Tax Amount$11,394.94
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLATFLEE.COM INC

Sold by: WATSON REALTY CORP (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 Jan 15, 2026. 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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