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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 — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Dec 5, 2025·147 days on market·Recent sales in Amelia Island

382 Fletcher Avenue 302

Fernandina Beach, FL 32034

$715,000sold priceListed at $729,000 · 98.1% of asking$754/sqftMLS# 2095957
2
Beds
2
Baths
948
Sq Ft
1983
Built
—
Garage
No
Pool
HOA $691/mo1.50 acresWaterfrontCondominium1 story

About this home

Fernandina Beach

Experience coastal living at its finest in this fully renovated 2-bedroom, 2-bathroom oceanfront condo on Amelia Island. With unbeatable ocean views, this top-floor gem offers both personal enjoyment and rental income potential. The modern kitchen features quartz countertops, white cabinetry, stainless steel appliances, updated lighting, and sleek tongue-and-groove ceilings. Luxury vinyl plank floors, updated doors and trim, and freshly smoothed ceilings create a bright, contemporary space. Both bathrooms are fully modernized. Sold fully furnished, this condo is perfect for investors or vacation homeowners seeking a turnkey beachfront retreat. Enjoy breathtaking sunrises and ocean sounds from your private top-floor balcony. Located minutes from historic downtown Fernandina Beach, local shops, and restaurants, with Fort Clinch State Park and Egans Creek Greenway nearby for outdoor adventures.

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$3,960
Property taxesest. at asking price, Nassau County$987
HOAbilled monthly$691
Estimated total, before insurance$5,638/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$11,264/yr · $939/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

$715,000
$143,000
Loan Term
Monthly Payment
$3,960
Principal & Interest: $3,960
Property taxes (est.): $987
Insurance (est.): $477
Estimated Total Monthly
$5,424
*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): $11,264/yr

Estimated taxes if purchased at asking price: ~$11,800/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 $416/sq ft; this home is listed at $769/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
631 Tarpon Avenue 6367, Fernandina Beach, FL 32034Listed by SERVICE REALTY, LLCJul 2026$490,000$4162/21,178140.3
631 Tarpon Avenue 6408, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPMay 2025$390,000$3702/11,053520.3
2784 5th Street B, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2026$510,000$5262/2970450.4
833 Tarpon Avenue E, Fernandina Beach, FL 32034Listed by STILLWELL REAL ESTATE LLCSep 2025$350,000$3742/1.59361620.4
925 Tarpon Avenue 21, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$430,000$3742/2.51,1501300.6
1032 N Fletcher Avenue A-2, Fernandina Beach, FL 32034Listed by FLUID REALTY, LLC.Jun 2026$637,700$6202/2.51,02890.6

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

Price$729,000
Price / Sq Ft$769
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage948
Acres1.50 acres
Year Built1983
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address382 Fletcher Avenue 302, Fernandina Beach, FL 32034
Area430-Nassau County Beaches-North
SubdivisionOceans Of Amelia
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size65,340 sq ft
Parcel Number000031155A03020000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewBeach
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
# of Stories1

Additional Information

Date ListedJune 29, 2025
Days on Market147
HOA Fees$691 / Monthly
HOA FrequencyMonthly
Tax Amount$11,263.8
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: SUMMER HOUSE REALTY (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 5, 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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