This home is in Fernandina Beach — an oceanfront home in Northeast Florida.
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Sold·Closed Sep 16, 2025·45 days on market·Recent sales in Amelia Island
4438 S Fletcher Avenue
Fernandina Beach, FL 32034
About this home
Fernandina Beach
COME ENJOY YOUR DREAM HOME ON THE OCEAN- ONLY .3 MILES FROM THE FAMOUS RITZ CARLTON RESORT! This great home is ready for a new owner who enjoys walking on the beach and living the lifestyle of a rockstar. A great layout for the family who needs space and privacy. Downstairs there is a spacious bedroom and bathroom- perfect for the mother-in law or young adult who likes separation. On the main floor, there is a wide open kitchen with ocean views,a large porch area, laundry room and a half bathroom for guests. In addition, there is a large living room perfect for family dining and entertaining. On the upper floor, there are 3 bedrooms with en suite bathrooms. The primary has a separate area with its own vanity and plenty of closet space. All of the other bedrooms are spacious and have ocean views! This home has one of the largest lots at the beach- .85 acres and a massive walkway to the ocean. Perfect for the investor who like AIRBNB properties!!
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 (that applies to the reference bill above too).
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 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,774 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Peters Point Beachfront Parkabout 0.3 mi · 180 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 4 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 5 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 12 mi · Baseball, Football, Softball
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): $8,611/yr
Estimated taxes if purchased at asking price: ~$38,500/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 $431/sq ft; this home is listed at $781/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95366 Spinnaker Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Mar 2026 | $1,380,000 | $413 | 4/4.5 | 3,343 | 120 | 0.1 |
| 95075 Spinnaker Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Sep 2025 | $1,830,000 | $483 | 5/4 | 3,785 | 60 | 0.2 |
| 95118 Captains Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Feb 2026 | $1,750,000 | $532 | 4/4 | 3,289 | 0 | 0.3 |
| 95384 Captains Way, Fernandina Beach, FL 32034Listed by CENTURY 21 MILLER ELITE LLC | Aug 2026 | $1,200,000 | $386 | 3/3.5 | 3,110 | 66 | 0.4 |
| 95085 Willet Way, Fernandina Beach, FL 32034Listed by PONTE VEDRA & COMPANY REAL ESTATE LLC | Jul 2025 | $1,026,000 | $338 | 4/4.5 | 3,039 | 165 | 0.5 |
| 95249 Whistling Duck Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Nov 2025 | $1,200,000 | $431 | 4/3 | 2,782 | 55 | 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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
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 Sep 16, 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
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