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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 Jul 8, 2025·29 days on market·Recent sales in Amelia Island

1010 N 15th Street

Fernandina Beach, FL 32034

$335,000sold priceListed at $399,900 · 83.8% of asking$353/sqftMLS# 2089488
3
Beds
1.5
Baths
950
Sq Ft
1971
Built
1
Garage
No
Pool
No HOA10,019 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Charming Bungalow in Fernandina Beach Perfect for First-Time Buyers or Investors! Welcome to your slice of coastal living in beautiful Fernandina Beach, FL! This 3-bedroom, 1 1/2 bathroom bungalow is full of charm and ready for its next chapter, ideal for first-time homebuyers or savvy investors seeking a strong rental opportunity.Located just minutes from the pristine shores of Amelia Island, this home offers the best of beach town living without sacrificing convenience. Enjoy easy access to local shops, restaurants, and historic downtown Fernandina Beach, all while being a short drive to major commuter routes. Inside, you'll find a cozy layout with plenty of natural light, functional living spaces, and endless potential to make it your own. The spacious yard adds room to relax, garden, or entertain after a day by the ocean. Whether you're dreaming of your first home near the beach or looking to expand your rental portfolio, this affordable coastal gem is a must-see!

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$1,856
Property taxesest. at asking price, Nassau County$462
Estimated total, before insurance$2,318/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,337/yr · $361/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

$335,000
$67,000
Loan Term
Monthly Payment
$1,856
Principal & Interest: $1,856
Property taxes (est.): $463
Insurance (est.): $223
Estimated Total Monthly
$2,541
*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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,337/yr

Estimated taxes if purchased at asking price: ~$5,500/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 $467/sq ft; this home is listed at $421/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1010 N 15th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPMay 2026$494,900$5213/2950910
1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORPApr 2026$359,000$3213/21,118100.1
1411 Leon Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2025$515,000$5153/21,000870.1
1127 N 15th Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJun 2025$415,000$4672/1888210.1
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

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$399,900
Price / Sq Ft$421
Bedrooms3
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage950
Acres0.23 acres
Year Built1971
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address1010 N 15th Street, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionFernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,018.8 sq ft
Parcel Number000031128B01010000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Exterior

Patio / PorchDeck

Additional Information

Date ListedJune 2, 2025
Days on Market29
Tax Amount$4,336.68
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REDFIN CORPORATION

Sold by: NON MLS (realMLS) (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 Jul 8, 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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