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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 gated community home on Amelia Island.

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Sold

Sold·Closed Jul 18, 2025·34 days on market·Recent sales in Amelia Island

1185 Beach Walker Road 1185

Fernandina Beach, FL 32034

$1,050,000sold priceListed at $1,097,500 · 95.7% of asking$809/sqftMLS# 2090653
2
Beds
2
Baths
1,298
Sq Ft
1974
Built
—
Garage
No
Pool
HOA $153/mo7.08 acresWaterfrontCondominium3 stories

About this home

Fernandina Beach

Welcome to easy oceanfront living on Amelia Island Plantation—an ideal second home or investment property with wonderful rental potential. This ground-level Beach Walker Villa offers direct beach access right out your back door, plus the rare bonus of a grassy lawn—perfect for pets, families, or simply enjoying a little extra outdoor space that most units in the complex don't offer. This fully furnished 2-bedroom, 2-bath townhome-style villa features panoramic Atlantic Ocean views, a newly renovated kitchen, sleek bathrooms, and tasteful furnishings from Pottery Barn & West Elm. The open-concept layout flows seamlessly from kitchen to living and dining spaces, with both bedrooms offering expanded en suites for added comfort and privacy. Whether you're looking for a move-in-ready rental or a personal beachside escape, this villa delivers coastal charm, comfort, and convenience. Enjoy access to the community pool, grilling area, and beach walkovers. Amelia Island Plantation shops.

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$5,816
Property taxesest. at asking price, Nassau County$1,450
HOAbilled annually$153
Estimated total, before insurance$7,419/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$12,210/yr · $1,017/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

$1,050,000
$210,000
Loan Term
Monthly Payment
$5,816
Principal & Interest: $5,816
Property taxes (est.): $1,450
Insurance (est.): $700
Estimated Total Monthly
$7,966
*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): $12,210/yr

Estimated taxes if purchased at asking price: ~$17,400/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 $611/sq ft; this home is listed at $846/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1169 Beach Walker Road 1169, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTFeb 2026$1,000,000$6114/41,636120
1122 Beach Walker Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESOct 2025$350,000$3702/2947640
1177 Beach Walker Road 1177, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESApr 2025$850,000$5793/31,4672190
1391 Shipwatch Circle, Fernandina Beach, FL 32034Listed by COMPASS FLORIDA LLCJul 2026$965,000$7642/21,263540.2
1350 Shipwatch Circle, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMar 2026$1,040,000$6302/21,650280.2
1334 Shipwatch Circle 1334, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJan 2026$810,000$5932/21,367240.2

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$1,097,500
Price / Sq Ft$846
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,298
Acres7.08 acres
Year Built1974
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address1185 Beach Walker Road 1185, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionBeachwalker
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size308,404.8 sq ft
Parcel Number016N29V14B11850000

Amenities

AmenitiesPool, Beach Access, Jogging Path
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewBeach, Ocean
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
# of Stories3
SecuritySecurity Gate

Exterior

Patio / PorchPatio

Additional Information

Date ListedMay 31, 2025
Days on Market34
HOA Fees$1,838 / Annually
HOA FrequencyAnnually
HOA Fee IncludesInsurance, Maintenance Grounds, Sewer, Trash, Water
Tax Amount$12,209.86
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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