This home is in Fernandina Beach.
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Sold·Closed Nov 19, 2025·38 days on market·Recent sales in Amelia Island
111 S 4th Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
STUNNING TURN-KEY COTTAGE IN DOWNTOWN FERNANDINA BEACH Less than two blocks from Centre Street, this beautifully renovated cottage offers charm, comfort, and unbeatable location. Taken down to the studs and fully remodeled in 2014, this home features high end finishes throughout including solid cherry cabinetry, quartz and sea glass countertops, and a wine cooler in the chef's kitchen, bamboo flooring throughout. A brand new refrigerator was added 2024.The home boasts solid vertical strand bamboo flooring throughout, with coordinating Trex-style composite decking on both the welcoming front porch and the serene screened in back porch. Ideal for relaxing, entertaining, or simply people watching from the front while enjoying quiet camaraderie with friends in beautifully landscaped back yard. Major systems were updated in 2014, including all new electrical, plumbing, HVAC, and ductwork. A new roof was installed in 2012. Parking pad in front of house. Down town living.
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Main Beach Parkabout 2 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 2 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 0.2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 1 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 2 mi · 1385 Amelia Plaza, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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): $1,068/yr
Estimated taxes if purchased at asking price: ~$10,500/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 $455/sq ft; this home is listed at $673/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 410 Cedar Street, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $720,000 | $761 | 2/2 | 946 | 3 | 0.2 |
| 515 Broome Street, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $400,000 | $455 | 3/2 | 879 | 48 | 0.3 |
| 1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $449,990 | $421 | 3/2 | 1,068 | 5 | 0.4 |
| 410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $410,000 | $315 | 3/2 | 1,303 | 8 | 0.4 |
| 1009 Calhoun Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $340,000 | $417 | 2/1 | 816 | 48 | 0.5 |
| 232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $500,000 | $548 | 2/2 | 912 | 60 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
Sold by: CENTURY 21 MILLER ELITE 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 19, 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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