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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.

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Sold

Sold·Closed Jul 2, 2026·324 days on market·Recent sales in Amelia Island

2328 Sadler Road 5D

Fernandina Beach, FL 32034

$301,000sold priceListed at $310,000 · 97.1% of asking$392/sqftMLS# 2096267
2
Beds
2
Baths
767
Sq Ft
1983
Built
—
Garage
No
Pool
HOA $515/moCondominium2 stories

About this home

Fernandina Beach

WATER-FRONT OASIS on Amelia Landings! **New Price***This STUNNING 2nd-floor condo, tucked away among majestic 100-year-old live oak trees draped in Spanish moss, offers the PERFECT RETREAT on picturesque AMELIA ISLAND. With 2 spacious bedrooms, 2 beautifully updated bathrooms, and stylish flooring throughout, this FULLY FURNISHED villa is ideal as a vacation rental, investment property, or second home. The thoughtfully designed floor plan connects the kitchen, dining, and living areas, creating an inviting space for relaxation and entertainment. Step out onto the expansive private porch and soak in breathtaking pond views—perfect for unwinding after a beach day or savoring a peaceful evening with a good book. This property is ALREADY PART OF A RENTAL PROGRAM and allows short-term rentals, offering a HASSLE FREE OPPORTUNITY to generate $$ income. COMMUNITY AMENITIES include a sparkling swimming pool, tennis courts, a picnic and grill area, and a separate storage space for bikes.

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$1,667
Property taxesest. at asking price, Nassau County$416
HOAbilled monthly$515
Estimated total, before insurance$2,598/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$301,000
$60,200
Loan Term
Monthly Payment
$1,667
Principal & Interest: $1,667
Property taxes (est.): $416
Insurance (est.): $201
Estimated Total Monthly
$2,283
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

Last sold: $410,000 in May 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$293,550$293,550—
2024$309,000$309,000—
2023$321,360$312,708—
2022$284,280$284,280—
2021$190,550$104,977—
2020$180,250$102,837—

Estimated taxes if purchased at asking price: ~$5,000/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 (2025), 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 $723/sq ft; this home is listed at $404/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1601 Nectarine Street F5, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCJun 2026$225,000$2302/29782701.2
382 S Fletcher Avenue 306, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$685,000$7232/29481141.8

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$310,000
Price / Sq Ft$404
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage767
Year Built1983
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address2328 Sadler Road 5D, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionAmelia Landings
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000031142L000500D0

Amenities

AmenitiesPool, Maintenance Grounds, Maintenance Structure, Tennis Court(s), Trash
Community FeaturesStreet Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewTrees/Woods

Interior

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
# of Stories2
LaundryIn Unit

Exterior

Patio / PorchCovered, Rear Porch

Additional Information

Date ListedMay 19, 2026
Days on Market324
HOA Fees$515 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Trash
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

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 2, 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.

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20+ years · 500+ closings · NE Florida

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