This home is in Fernandina Beach.
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Sold·Closed Feb 27, 2026·221 days on market·Recent sales in Amelia Island
112 S 14th Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Location, Location, Location! Welcome to this adorable 3-bedroom, 2-bath cottage, nestled under a canopy of beautiful trees in the heart of Amelia Island. This cottage features: owned solar panels, transferable Alpha Foundation, new fencing and AC just to name a few. The one-car garage adds even more possibilities—use it for parking, storage, or convert it into additional living space. Short walk/drive/bike ride to beaches, boutique shopping, 5 star dining options, trails, parks and schools! This versatile property is a good choice for a full time residence, vacation home or 30 day+ rental. Best of all, there's no HOA, giving you the freedom to make this home truly your own. Eligible for $10K Regions Bank Grant! Located in a Low-to-Moderate Income (LMI) area no income limits for qualified first-time buyers. Use towards down payment or closing cost!
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — year not disclosed (home built 1943)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,284 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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 $333/sq ft; this home is listed at $331/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 73 Oak Grove Place, Fernandina Beach, FL 32034Listed by COWFORD REALTY & DESIGN LLC | Mar 2026 | $365,000 | $333 | 2/1 | 1,095 | 2 | 0 |
| 1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $449,990 | $421 | 3/2 | 1,068 | 5 | 0.4 |
| 410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $410,000 | $315 | 3/2 | 1,303 | 8 | 0.4 |
| 101 S 8th Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $465,000 | $271 | 2/1.5 | 1,717 | 20 | 0.5 |
| 619 S 10th Street, Fernandina Beach, FL 32034Listed by MILITARY REALTY OF FLORIDA | Mar 2026 | $422,500 | $282 | 4/3 | 1,500 | 56 | 0.6 |
| 704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $629,000 | $377 | 3/2.5 | 1,668 | 14 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Feb 27, 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.
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.
Northeast Florida living
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