This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Apr 9, 2026·187 days on market·Recent sales in Amelia Island
418 Sargasso Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Experience relaxed coastal living in this beautifully crafted home in the desirable Dunes of Amelia. Built in 2017, this thoughtfully designed residence offers 5 bedrooms, 3.5 baths, and a private office, providing flexible space for family, guests, or working from home. The open layout is filled with natural light and ideal for both daily comfort and entertaining. The owner's suite overlooks a serene pond and features a spa-like bath with freestanding tub, oversized shower, and walk-in closet with custom built-ins. The kitchen is the heart of the home, complete with natural gas stove, Lg island, and abundant cabinetry flowing easily into dining and living areas. Step outside to a fully fenced backyard with peaceful pond and fountain views, perfect for morning coffee or evenings outdoors. Enjoy coastal charm w/ access to River to Sea Trail and minutes from beaches, parks, and historic downtown Fernandina.
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).
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 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,805 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, league fields and grocery store from this home's location.
Closest beach parking
Beach access 30, S Fletcher Ave. & Simmons Rd.about 2 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 3 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 3 mi · Egan's Creek
Closest grocery store
Publixabout 1 mi · 1421 Sadler Rd, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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): $6,263/yr
Estimated taxes if purchased at asking price: ~$11,800/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 $350/sq ft; this home is listed at $281/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 396 Sargasso Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Jul 2026 | $710,000 | $348 | 3/2.5 | 2,041 | 85 | 0 |
| 536 Spanish Way W, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $739,000 | $350 | 3/2 | 2,111 | 21 | 0.4 |
| 2972 Ferdinand Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $885,000 | $316 | 5/3 | 2,797 | 51 | 0.5 |
| 2971 Ferdinand Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $985,000 | $378 | 4/3 | 2,606 | 0 | 0.5 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.8 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Sold by: CENTURY 21 MILLER ELITE LLC (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 9, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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