This home is in Fernandina Beach.
Active·79 days on market
1515 S Fletcher Avenue
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Timeless, elegant, and effortlessly coastal, 1515 S. Fletcher Avenue offers the rare opportunity to live just steps from the shoreline while enjoying privacy away from public beach access. This beautifully maintained 3-bedroom, 2-bath home blends classic island charm with modern comfort, featuring an open, light-filled layout with vaulted ceilings, quartz countertops, and a welcoming entrance atrium that sets the tone for relaxed coastal living. The seamless flow between the bar area, dining space, and living room creates an ideal setting for entertaining or quiet mornings with soft ocean views. Thoughtfully designed on a single level, the home combines stylish updates with everyday functionality. Set on a spacious 0.22-acre lot, the property offers flexibility seldom found this close to the sand. A two-car garage, paver driveway and patio, and inviting outdoor entertaining area provide room to gather, while the observation deck is the perfect perch for sunrise coffee overlooking the
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $744,492 | $319,238 | — |
| 2024 | $662,367 | $308,124 | — |
| 2023 | $626,806 | $296,237 | — |
| 2022 | $604,288 | $284,696 | — |
| 2021 | $507,167 | $273,491 | — |
| 2020 | $429,961 | $268,334 | — |
2024 property taxes (current owner): $6,131/yr
Estimated taxes if purchased at asking price: ~$23,800/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 (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: Shingle — year not disclosed (home built 1983)
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: ~1,767 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 homeAs 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
Price & status history
- Jul 23, 2026Price change$1,439,000−$10,000
- May 26, 2026Listed$1,449,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines