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This home is in Fernandina Beach.

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28 DUNES ROW, Fernandina Beach, FL 32034

$9,600,000
MLS# 2103665
8
Bedrooms
8
Bathrooms
9,864
Sq Ft
1992
Year Built

About This Home — 28 DUNES ROW

Once-in-a-generation oceanfront estate in Amelia Island Plantation's ultra-exclusive Dunes Row—home to only 8 residences capturing panoramic Atlantic views and the 15th hole of Long Point Golf Course. Behind 3 security gates, this 9,864 sq ft David Beer-designed retreat spans 2 oceanfront lots (.60 acres) and is offered for the first time. Built on a concrete foundation with 25-ft pilings, hurricane-rated roof, windows, and doors. Features 8 bedrooms, 8.5 baths, private elevator, new 2024 geothermal HVAC, generator, well-fed irrigation, and a sparkling salt-and-chlorine heated pool with spa. Located in Flood Zone X, this legacy property offers unmatched privacy, strength, and prestige in one of the island's most beautiful settings—making it a rare opportunity on the southern tip of Amelia Island.

Features

Price$9,600,000
Price / Sq Ft$973
Bedrooms8
Bathrooms8.50
Full Baths8
Half Baths1
Square Footage9,864
Acres0.60 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water
Is WaterfrontYes
Direction FacesEast

Community Information

Address28 DUNES ROW, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionDunes
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size26,136 sq ft
Parcel Number026N29039000010000
ZoningResidential

Amenities

AmenitiesBeach Access, Boat Dock, Clubhouse, Gated, Jogging Path, Management - Full Time, Management- On Site, Security
UtilitiesCable Available, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
Green / EnergyDoors, Windows
ParkingCircular Driveway, Garage, Garage Door Opener, Gated, Secured
ViewBeach, Golf Course, Ocean, Pool
Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Central Vacuum, Elevator, Entrance Foyer, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Freezer, Gas Range, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories4
LevelsMulti/Split
LaundryLower Level, Sink, Upper Level
Security24 Hour Security, Gated with Guard, Security Gate, Security System Owned
Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesBalcony, Outdoor Shower, Storm Shutters
Lot DescriptionDead End Street, On Golf Course, Sprinklers In Front, Sprinklers In Rear
Patio / PorchDeck, Front Porch, Patio, Porch, Rear Porch, Side Porch, Wrap Around
FencingOther, Fenced, Full, Wrought Iron
RoofConcrete, Tile
ConstructionBlock, Concrete, Stucco
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedFebruary 3, 2026
Days on Market296
HOA Fees$6,096 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSecurity
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$9,600,000
$1,920,000
Loan Term
Monthly Payment
$51,095
Principal & Interest: $51,095
Est. Taxes & Insurance: $12,774
Estimated Total Monthly
$63,869
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

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