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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 Aug 28, 2025·8 days on market·Recent sales in Amelia Island

1319 Hickory Street

Fernandina Beach, FL 32034

$379,900sold priceListed at $379,900 · 100% of asking$440/sqftMLS# 2097086
2
Beds
1
Baths
864
Sq Ft
1975
Built
—
Garage
No
Pool
No HOA8,712 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Looking for Island Life? Welcome to Hickory Street, located in beautiful Fernandina Beach, Fl! This cute, updated cottage on Amelia Island is centrally located and is convenient to the beach, fort clinch, shops, restaurants, and island life. Just 2.8 miles from the beach, it's an easy bike ride or walk to the ocean. The home has been freshly painted and new flooring throughout. The home features 2 bedrooms and one full bath with 864 sq ft. Indoor laundry. Outdoor living is a highlight with a custom porch, firepit area, fenced backyard and storage shed. Amazing covered front porch with fans makes for an enjoyable place to spend time and relax. Lots of potential with this one! Located on .20 of an acre. This home offers a low cost of living, peaceful neighborhood setting & ample space inside and out. Not in a flood zone! Located in Zone X! R-2 Residential! No CDD Fees, No HOA! No Subdivision. Schedule your showing today!

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$2,104
Property taxesest. at asking price, Nassau County$524
Estimated total, before insurance$2,629/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,238/yr · $353/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

$379,900
$75,980
Loan Term
Monthly Payment
$2,104
Principal & Interest: $2,104
Property taxes (est.): $525
Insurance (est.): $253
Estimated Total Monthly
$2,882
*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 1975)

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

Solar potential: ~1,646 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 on the north side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.

  • 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): $4,238/yr

Estimated taxes if purchased at asking price: ~$6,300/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 $432/sq ft; this home is listed at $440/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1305 Hickory Street, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC.Dec 2025$365,000$4322/1.5845770
1324 Fir Street Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCAug 2026$427,000$4862/28781280.1
1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$449,990$4213/21,06850.4
232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$500,000$5482/2912600.4
1024 S 9th Street, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$200,000$2312/186480.4
307 S 18th Street, Fernandina Beach, FL 32034Listed by MARSH LIFE REALTY, LLCJul 2025$411,000$4032/21,02020.5

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$379,900
Price / Sq Ft$440
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage864
Acres0.20 acres
Year Built1975
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address1319 Hickory Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionFernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size8,712 sq ft
Lot Dimensions172 x 50
Parcel Number000031180002400064
ZoningResidential

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther
ViewOther

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Oven, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1

Exterior

Patio / PorchCovered, Front Porch, Porch, Rear Porch
FencingBack Yard, Wood
RoofShingle
ConstructionFrame, Wood Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 6, 2025
Days on Market8
Tax Amount$4,237.62
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: INI 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 Aug 28, 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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