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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 Summer Beach, Fernandina Beach.

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Sold

Sold·Closed Oct 27, 2025·33 days on market·Recent sales in Summer Beach·Summer Beach

1656 Rigging Way

Fernandina Beach, FL 32034

$1,100,000sold priceListed at $1,169,500 · 94.1% of asking$423/sqftMLS# 2108256
4
Beds
3
Baths
2,599
Sq Ft
1995
Built
2
Garage
No
Pool

4 more homes for sale in Summer Beach →Search Summer Beach on the map

HOA $160/mo9,448 sqft lotSingle Family Residence1 story

About this home

Summer Beach

Where coastal elegance meets effortless island living. This beautifully reimagined 4BR/3BA home in Golfside South boasts over $500K in owner improvements, blending modern upgrades with timeless design. Enjoy 2,599 sq ft of comfort overlooking the #4 fairway, just steps from the beach and Ritz-Carlton. Renovated 2019-2025, upgrades include a new roof, impact windows, HVAC, appliances, water heater, travertine patio, and a 300+ sq ft addition. The designer kitchen features Taj Mahal quartzite counters, Bosch drawer microwave, hidden pantry, and smart oven. The primary suite offers dual walk-ins, copper sinks, jetted tub, and marble shower. Highlights include a pub room with built-in bar, limestone fireplace, and crown molding. Set in a gated community with a resort-style pool, this move-in ready home combines coastal comfort, luxury upgrades, and island convenience.

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$6,093
Property taxesest. at asking price, Nassau County$1,519
HOAbilled monthly$160
Estimated total, before insurance$7,772/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,487/yr · $457/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$6,093
Principal & Interest: $6,093
Property taxes (est.): $1,519
Insurance (est.): $733
Estimated Total Monthly
$8,345
*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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,487/yr

Estimated taxes if purchased at asking price: ~$18,200/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 $371/sq ft; this home is listed at $450/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1587 Regatta Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLCApr 2026$1,270,000$5193/32,449180.1
1601 Regatta Drive, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCNov 2025$850,000$3123/3.52,72780.1
4919 Yachtsmans Drive, Fernandina Beach, FL 32034Listed by CRATEM REALTY COMPANYAug 2026$950,000$3714/32,55930.2
4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$682,500$3403/2.52,0061750.3
1750 Regatta Drive, Fernandina Beach, FL 32034Listed by MILLER & COMPANY REAL ESTATEApr 2026$825,000$4273/21,932140.3
1381 Forrest Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYFeb 2026$970,000$2885/5.53,3702130.4

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$1,169,500
Price / Sq Ft$450
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,599
Acres0.22 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1656 Rigging Way, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionGolfside At Summer Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size9,448.16 sq ft
Lot Dimensions90x105
Parcel Number00SB30065A01060000

Amenities

AmenitiesPool
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDisposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

FencingFenced, Back Yard

Additional Information

Date ListedSeptember 11, 2025
Days on Market33
HOA Fees$160 / Monthly
HOA FrequencyMonthly
Tax Amount$5,486.58
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: LPT REALTY LLC (buyer's brokerage)

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 Summer Beach

Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Summer Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 27, 2025. 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.

Text Krista about this saleHomes for sale nearby →

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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