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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 Club Villas, Fernandina Beach — a home near Fernandina Beach High School.

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Sold

Sold·Closed Jun 15, 2026·210 days on market·Recent sales in Club Villas·Club Villas

3028 Sea Marsh Road

Fernandina Beach, FL 32034

$400,000sold priceListed at $449,000 · 89.1% of asking$266/sqftMLS# 2108584
2
Beds
2.5
Baths
1,505
Sq Ft
1974
Built
—
Garage
No
Pool

2 more homes for sale in Club Villas →Search Club Villas on the map

HOA $153/moCondominium2 stories

About this home

Club Villas

Meticulously cared for and original in style, this 2-bedroom, 2.5-bath Club Villas villa at Omni Amelia Island Plantation offers private outdoor living surrounded by mature oaks and palms, with resort amenities just beyond your doorstep. The main level features tile flooring, a functional kitchen with bar seating, dining area, half bath, and a living room that opens to a private paver patio bordered by lush native landscaping. Upstairs, the primary suite has a vaulted ceiling, en-suite bath, private balcony, and peek-a-boo views of the community pool, while the guest bedroom also includes a balcony and full bath. Both bedrooms are generously sized, and the villa includes ample storage along with a dedicated laundry room. Outdoor living is a highlight—two upstairs balconies plus a downstairs patio that back to a wooded preserve with peek-a-boo pool views and direct access just steps away.

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$2,216
Property taxesest. at asking price, Nassau County$552
HOAbilled annually$153
Estimated total, before insurance$2,921/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,839/yr · $487/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

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $552
Insurance (est.): $267
Estimated Total Monthly
$3,035
*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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$481,650$324,829—
2024$441,750$295,299—
2023$399,000$268,454—
2022$386,650$244,049—
2021$257,450$221,863—
2020$245,100$201,694—

2024 property taxes (current owner): $5,839/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

History

Price & status history

  • Aug 4, 2026Closed$449,000

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

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 $393/sq ft; this home is listed at $298/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3012 Sea Marsh Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2026$475,000$3162/2.51,5052080
3211 Sea Marsh Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$565,000$4522/21,250180.2
3327 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPSep 2026$550,000$3932/21,4006890.3
3318 Sea Marsh Road, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$565,000$4522/21,250940.3
3323 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPAug 2026$565,000$3532/21,600110.3
3328 Sea Marsh Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2026$540,000$3722/21,450890.3

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$449,000
Price / Sq Ft$298
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,505
Year Built1974
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address3028 Sea Marsh Road, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionClub Villas
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number016N29V04030280000
ZoningCondominium

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingParking Lot

Interior

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedMarch 13, 2026
Days on Market210
HOA Fees$1,838 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds, Trash
Tax Amount$5,839.07
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE 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 Club Villas

Club Villas is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Club Villas homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 15, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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