Skip to main content
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.

No photos available

This listing has no photos yet

Sold

Sold·Closed Dec 11, 2025·128 days on market·Recent sales in Amelia Island

2019 Atlantic Avenue

Fernandina Beach, FL 32034

$1,185,000sold priceListed at $1,399,000 · 84.7% of asking$544/sqftMLS# 2093762
3
Beds
3.5
Baths
2,178
Sq Ft
1927
Built
—
Garage
Yes
Pool
No HOA0.62 acresSingle Family Residence2 stories

About this home

Fernandina Beach

HISTORIC CHARM on over HALF AN ACRE - A RARE ON ISLAND FIND! This Fernandina Beach POOL HOME blends Character with MODERN LUXURY on an OVERSIZED LOT just a short walk to the BEACH, HISTORIC DISTRICT, FORT CLINCH, and EGAN'S CREEK GREENWAY. Enjoy SPACE, STYLE, and an UNBEATABLE LOCATION. Natural light fills the home through ANDERSON and MARVIN WINDOWS with LOCALLY MADE CUSTOM SHADES, highlighting the GENUINE HARDWOOD FLOORS throughout. The GOURMET KITCHEN was FULLY REMODELED IN 2023 and features a GAS RANGE, QUARTZ COUNTERTOPS, and ELEGANT NICKEL PULLS. EVERY BEDROOM HAS A PRIVATE ENSUITE BATHROOM, providing comfort and privacy for all. Recent updates include a NEW ROOF AND AC (2019), SPRAY FOAM INSULATION, WHOLE-HOUSE GENERATOR, 2021-INSTALLED POOL, and a 2025 RINNAI TANKLESS WATER HEATE. Don't miss this OPPORTUNITY to own a truly SPECIAL PROPERTY with AMELIA Island CHARM, MODERN UPGRADES, and ROOM TO BREATHE.

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$6,564
Property taxesest. at asking price, Nassau County$1,636
Estimated total, before insurance$8,200/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$10,754/yr · $896/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

$1,185,000
$237,000
Loan Term
Monthly Payment
$6,564
Principal & Interest: $6,564
Property taxes (est.): $1,636
Insurance (est.): $790
Estimated Total Monthly
$8,990
*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.

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 1927)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,605 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 home

This 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

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.

  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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): $10,754/yr

Estimated taxes if purchased at asking price: ~$19,600/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 $413/sq ft; this home is listed at $642/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1606 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$1,190,000$4673/32,54730.3
413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2026$685,000$3165/32,17000.4
1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYApr 2026$839,000$3924/22,138880.5
226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$755,000$3724/32,03220.6
1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$725,000$4223/21,718890.6
2657 Gregor McGregor Boulevard, Fernandina Beach, FL 32034Listed by 1 REALTY CORPJan 2026$699,999$4134/21,694190.7

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

Price$1,399,000
Price / Sq Ft$642
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,178
Acres0.62 acres
Year Built1927
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolYes
Pool FeaturesIn Ground, Fenced, Salt Water
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address2019 Atlantic Avenue, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size27,007.2 sq ft
Parcel Number0000311060000E0030
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), Guest Suite, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Washer, Gas Range, Gas Water Heater, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Exterior FeaturesCourtyard, Fire Pit
Lot DescriptionCorner Lot
Patio / PorchFront Porch, Patio, Rear Porch, Side Porch
FencingBack Yard, Privacy, Vinyl
RoofShingle
ConstructionWood Siding
Other StructuresShed(s)
Road SurfaceAsphalt, Concrete, Paved
Road FrontageCity Street

Additional Information

Date ListedOctober 30, 2025
Days on Market128
Tax Amount$10,753.52
Tax Year2024
Listing TermsCash, Conventional, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

Sold by: FLORIDA HOMES REALTY & MTG 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 11, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines