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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 Dec 2, 2025·86 days on market·Recent sales in Amelia Island

1790 Mariners Walk

Fernandina Beach, FL 32034

$540,000sold priceListed at $549,900 · 98.2% of asking$392/sqftMLS# 2104429
2
Beds
2
Baths
1,379
Sq Ft
1974
Built
—
Garage
No
Pool
HOA $428/moCondominium1 story

About this home

Fernandina Beach

End-unit condo just steps from the beach on Amelia Island's quiet south side—closest to the walkway to the sand. Ground-level living with two assigned parking spaces. Features include bamboo floors, smooth ceilings, plantation shutters, updated windows and sliders, custom drapes, and an updated kitchen with new Frigidaire range. The primary suite offers a renovated bath and two closets. Bonus office/sunroom, walk-in pantry, fenced storage, and spacious patio for entertaining. Recent upgrades include Cooper & Hunter AC, new windows, and range. Condo fees cover water, sewer, trash, exterior maintenance, pool, and insurance.

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$2,991
Property taxesest. at asking price, Nassau County$745
HOAbilled quarterly$428
Estimated total, before insurance$4,164/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,544/yr · $212/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

$540,000
$108,000
Loan Term
Monthly Payment
$2,991
Principal & Interest: $2,991
Property taxes (est.): $746
Insurance (est.): $360
Estimated Total Monthly
$4,097
*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 1974)

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

Solar potential: ~1,434 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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): $2,544/yr

Estimated taxes if purchased at asking price: ~$8,900/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 $410/sq ft; this home is listed at $399/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1773 Mariners Walk, Fernandina Beach, FL 32034Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Jan 2026$550,000$3793/21,4502010
1768 Mariners Walk 901, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSDec 2025$435,000$3192/21,3622050
95220 Summerwoods Circle 1204, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPMar 2026$545,000$4102/21,3301010.2
95282 Summerwoods Circle 608, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPOct 2025$572,500$4302/21,3301260.2
5010 Summer Beach Boulevard 611, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJun 2025$925,000$6873/31,346120.3
95024 Barclay Place 4A, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2026$580,000$3762/21,541540.6

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$549,900
Price / Sq Ft$399
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,379
Year Built1974
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address1790 Mariners Walk, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionMariners Walk Villas
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000030037009120000

Amenities

AmenitiesMaintenance Grounds, Maintenance Structure, Trash
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned
ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Dryer, Electric Range, Freezer, Ice Maker, Microwave, Refrigerator, Washer
HeatingElectric
CoolingElectric
FlooringTile
# of Stories1

Exterior

Patio / PorchPatio
FencingBack Yard, Other
RoofShingle
ConstructionStucco
Other StructuresShed(s)

Additional Information

Date ListedAugust 18, 2025
Days on Market86
HOA Fees$1,282.67 / Quarterly
HOA FrequencyQuarterly
HOA NameMariners Walk
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Pest Control, Trash
Tax Amount$2,543.81
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 2, 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?

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