This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Oct 24, 2025·103 days on market·Recent sales in Amelia Island
2490 Captain Hook Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
PRICE IMPROVEMENT! Your Island Oasis Awaits — Just 5 Minutes to the Beach Welcome to your dream island escape in the lush, tropical setting of Pirates Bay. This bright and breezy 3-bedroom, 2-bath home is the ultimate entertainer's paradise, combining open-concept charm with tranquil vibes. Step inside to soaring vaulted ceilings, natural skylights, and a cozy fireplace that sets the mood year-round. But the real showstopper? The expansive Florida Room — a Caribbean-inspired haven with wood-beamed ceilings, three walls of windows, and peaceful views of the lush, zen-like backyard. Flow seamlessly outdoors to the deck and fire pit area — perfect for hosting under the stars or simply unwinding in your own private sanctuary. Upgrades and Features: Roof replaced in 2017 HVAC installed in 2013 Hurricane boards for windows No HOA Tucked in the heart of the island, this rare find offers both serenity and convenience.
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).
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: Shingle — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,553 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, league fields and grocery store from this home's location.
Closest beach access
Beach access 23, S Fletcher Ave. & D Streetabout 0.4 mi
Closest park or preserve
Egans Creek Greenway7 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 2 mi · Egan's Creek
Closest grocery store
Publix2 min drive · 1421 Sadler Rd, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:34 AM, sunset 6:46 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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): $4,529/yr
Estimated taxes if purchased at asking price: ~$8,300/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 $364/sq ft; this home is listed at $251/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 0.3 |
| 2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $642,000 | $364 | 3/2.5 | 1,764 | 2 | 0.3 |
| 1981 Amelia Oaks Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $940,000 | $386 | 3/3.5 | 2,435 | 80 | 0.4 |
| 1506 Coventry Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2026 | $610,000 | $354 | 3/2 | 1,722 | 3 | 0.4 |
| 2219 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Apr 2026 | $975,000 | $439 | 3/3 | 2,223 | 164 | 0.4 |
| 96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $575,000 | $349 | 3/2 | 1,649 | 101 | 0.6 |
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: FLORIDA HOMES REALTY & MTG LLC
Sold by: PINEYWOODS REALTY LLC (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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Krista Fracke
Broker Associate
This home sold on Oct 24, 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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