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Active

Active·359 days on market

2646 Bailey Road

Fernandina Beach, FL 32034

$899,900$355/sqftEst. $4,626/moMLS# 2107181

Beds

Baths

2,534

Sq Ft

2025

Built

Garage

Pool

About this home

Fernandina Beach

Beautiful new construction home on a true estate lot at nearly 2/3 of an acre! Upgraded engineered hardwood, luxury chefs kitchen, and gas appliances. Minutes from historic downtown Fernandina Beach and multiple beaches. full landscaping/irrigation package and home warranty. ask about additional builder incentives!

Cost to own

Mortgage calculator

Home Price

$899,900

Down Payment: 20%

$179,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,626

Principal & Interest: $4,626

Property taxes (est.): $1,242

Insurance (est.): $600

Estimated Total Monthly

$6,469

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$4,626

Property taxesest. at asking price, Nassau County$1,242

Estimated total, before insurance$5,869/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$723,602	$723,602	—

Estimated taxes if purchased at asking price: ~$14,900/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2025)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

As 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

Sep 4, 2025Listed$899,900

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

Features

Price$899,900

Price / Sq Ft$355

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,534

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address2646 Bailey Road, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionAmelia Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number00-00-30-0290-0011-0000

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Water Connected

Water SourcePrivate

ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Refrigerator, Gas Cooktop, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

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