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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 Isle of Palms, Fernandina Beach — a waterfront home in Nassau County.

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Sold

Sold·Closed Jan 8, 2026·58 days on market·Recent sales in Isle of Palms·Isle of Palms

1010 Isle Of Palms Lane

Fernandina Beach, FL 32034

$525,000sold priceListed at $550,000 · 95.5% of asking$349/sqftMLS# 2106946
3
Beds
2
Baths
1,506
Sq Ft
2000
Built
2
Garage
No
Pool

10 more homes for sale in Isle of Palms →Search Isle of Palms on the map

HOA $8/mo7,405 sqft lotWaterfrontSingle Family Residence1 story

About this home

Isle of Palms

This 3-bedroom, 2-bathroom home is ideally located just 1 mile from the beach and 1.6 miles from downtown Fernandina, offering the perfect blend of convenience and coastal living. Inside, the open floor plan features a spacious dining and family room that flows seamlessly into the kitchen, complete with a cozy breakfast nook. The living area opens to a glassed-in porch overlooking a beautiful spring-fed pond, home to abundant wildlife. The porch windows can be opened to enjoy the breeze, or the space could easily be air-conditioned to add additional square footage. Just outside, a paved patio provides the perfect setting for entertaining or relaxing by the water. The home offers generously sized bedrooms, including a large master suite with a renovated bathroom featuring an expanded shower. A 2-car garage includes a drop-down ladder for convenient attic storage. For boat enthusiasts, the side of the property features a paved storage area designed to accommodate a boat.

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$2,908
Property taxesest. at asking price, Nassau County$725
HOAbilled annually$8
Estimated total, before insurance$3,641/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,266/yr · $356/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

$525,000
$105,000
Loan Term
Monthly Payment
$2,908
Principal & Interest: $2,908
Property taxes (est.): $725
Insurance (est.): $350
Estimated Total Monthly
$3,983
*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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,266/yr

Estimated taxes if purchased at asking price: ~$8,700/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, 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 $329/sq ft; this home is listed at $365/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1602 Indigo Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPApr 2026$565,000$3193/21,770890.1
1624 Indigo Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYApr 2026$670,000$3604/21,86130.1
1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$2432/21,808140.2
1833 Indigo Street, Fernandina Beach, FL 32034Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYMay 2026$475,000$3293/21,442650.2
1120 Natures Walk Drive A, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENTJun 2026$419,000$3292/21,274120.3
2027-A Natures Lane W, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAMar 2026$459,000$2753/2.51,672100.3

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$550,000
Price / Sq Ft$365
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,506
Acres0.17 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address1010 Isle Of Palms Lane, Fernandina Beach, FL 32034
Area440-Fernandina Beach Downtown-South
SubdivisionIsle Of Palms
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size7,405.2 sq ft
Parcel Number000031142I00230000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
Fireplace FeaturesGas
# of Stories1
LevelsOne

Exterior

Patio / PorchGlass Enclosed, Patio

Additional Information

Date ListedSeptember 3, 2025
Days on Market58
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$4,266.29
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

The neighborhood

About Isle of Palms

Isle of Palms is a neighborhood in Jacksonville Beach, FL (Nassau County), ZIP 32034.

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 8, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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