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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 — a home near Fernandina Beach High School.

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Sold

Sold·Closed Jun 23, 2026·270 days on market·Recent sales in Amelia Island

1601 Nectarine Street F5

Fernandina Beach, FL 32034

$225,000sold priceListed at $255,000 · 88.2% of asking$230/sqftMLS# 2106231
2
Beds
2
Baths
978
Sq Ft
1999
Built
—
Garage
No
Pool
HOA $392/moCondominium1 story

About this home

Fernandina Beach

SHRIMPLY THE BEST VALUE ON AMELIA ** WANT TO VISIT MORE OFTEN? ** Motivated sellers have made ANOTHER price reduction AND are offering a 1-year home warranty on this very affordable, Amelia Island condo. Located in a beautifully maintained, gated, mid-island community. The Palms is close to shopping, dining, medical, and all the fun Amelia Island has to offer. Beach Access 9 is only a 5 minute drive! Designed around a central courtyard area, the community features a heated pool, spa and covered picnic area with grills. Bike to the shimmering Atlantic, explore Ft. Clinch, enjoy weekly Farmer's Market or visit any of the artistic opportunities the island is known for including theater, music and the fine arts. Whether you are looking for a great investment, want to make this your full-time home, or you've been searching for the perfect seasonal retreat, you will be amply rewarded with your purchase when you make The Palms at Amelia your next home.

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$1,246
Property taxesest. at asking price, Nassau County$311
HOAbilled monthly$392
Estimated total, before insurance$1,949/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,893/yr · $324/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

$225,000
$45,000
Loan Term
Monthly Payment
$1,246
Principal & Interest: $1,246
Property taxes (est.): $311
Insurance (est.): $150
Estimated Total Monthly
$1,707
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$287,000$192,466—
2024$284,000$174,969—
2023$283,000$159,063—
2022$228,000$144,603—
2021$178,000$131,457—
2020$134,000$119,506—

2024 property taxes (current owner): $3,893/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

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 $416/sq ft; this home is listed at $261/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2328 Sadler Road 5D, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYJul 2026$301,000$3922/27673241.2
382 S Fletcher Avenue 306, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$685,000$7232/29481141.3
631 Tarpon Avenue 6367, Fernandina Beach, FL 32034Listed by SERVICE REALTY, LLCJul 2026$490,000$4162/21,178141.9
2784 5th Street B, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2026$510,000$5262/2970452
123 Hirth Road 1103, Fernandina Beach, FL 32034Listed by STILLWELL REAL ESTATE LLCJul 2026$210,000$2002/1.51,050662.1
925 Tarpon Avenue 21, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$430,000$3742/2.51,1501302.2

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$255,000
Price / Sq Ft$261
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage978
Year Built1999
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1601 Nectarine Street F5, Fernandina Beach, FL 32034
Area440-Fernandina Beach Downtown-South
SubdivisionThe Palms At Amelia
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000031163P00F50000
ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Gated, Maintenance Grounds, Storage
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGated, Parking Lot

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Electric Range, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringLaminate
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Community

Exterior

Exterior FeaturesBalcony, Courtyard
FencingFull
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 2, 2026
Days on Market270
HOA Fees$392 / Monthly
HOA FrequencyMonthly
Tax Amount$3,893.07
Tax Year2024
Listing TermsCash, Conventional, FHA, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PINEYWOODS REALTY LLC

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 Jun 23, 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.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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