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This home is in Fernandina Beach.

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Active

Active·368 days on market

2122 Beachwood Road 2122

Fernandina Beach, FL 32034

$465,000$384/sqftEst. $2,398/moMLS# 2102284

Beds

Baths

1,210

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

Experience the best of Florida living in this turnkey 2-bedroom, 2-bath villa located in the gated Amelia Island Plantation resort community on South Amelia Island. Situated on the fourth floor with convenient elevator access, this fully furnished unit features tile flooring throughout and a kitchen that opens to the spacious living and dining areas. Updates include a new HVAC system, washer and dryer, and hot water heater. Step out onto your private balcony the perfect place to enjoy your morning coffee, unwind with a good book after a swim in the community pool, or simply take in the peaceful views. This well-maintained villa is approved for short-term rentals, making it ideal as an investment property, second home, or low-maintenance full-time residence. Just a short walk (less than 5 minutes) to a private beach access and shaded nature trails, with easy access to on-site dining, shopping, spa services, miniature golf, and more.

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,398

Principal & Interest: $2,398

Property taxes (est.): $642

Insurance (est.): $310

Estimated Total Monthly

$3,350

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$2,398

Property taxesest. at asking price, Nassau County$642

HOAbilled annually$208

Estimated total, before insurance$3,248/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$474,825	$474,825	—
2024	$469,950	$436,507	—
2023	$456,300	$396,825	—
2022	$360,750	$360,750	—
2021	$248,625	$230,945	—
2020	$209,950	$209,950	—

Estimated taxes if purchased at asking price: ~$7,700/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1974)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,509 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

As of July 2026, 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.

History