This home is in Fernandina Beach.

1 / 81

Active

Active·50 days on market

1515 S Fletcher Avenue

Fernandina Beach, FL 32034

$1,449,000$820/sqftEst. $7,712/moMLS# 2106017

Beds

Baths

1,767

Sq Ft

1983

Built

Garage

Pool

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

Home Price

$1,449,000

Down Payment: 20%

$289,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$7,319

Principal & Interest: $7,319

Est. Taxes & Insurance: $1,830

Estimated Total Monthly

$9,149

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$7,712

Property taxesest. at asking price, Nassau County$2,000

Estimated total, before insurance$9,713/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$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: ~$24,000/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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 26, 2026Listed$1,449,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,449,000

Price / Sq Ft$820

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,767

Acres0.22 acres

Year Built1983

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address1515 S Fletcher Avenue, Fernandina Beach, FL 32034

Area430-Nassau County Beaches-North

SubdivisionMiramar Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,583.2 sq ft

Parcel Number000031146000760000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener, Other

ViewBeach, Ocean

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesOther

# of Stories1

LevelsOne

LaundryIn Garage