This home is in Fernandina Beach.

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Active

Active·292 days on market

102 S 7th Street

Fernandina Beach, FL 32034

$2,500,000$480/sqftEst. $12,707/moMLS# 2111116

Beds

Baths

5,212

Sq Ft

1904

Built

—

Garage

Yes

Pool

About this home

Fernandina Beach

The Blue Heron Inn in the heart of the downtown Fernandina Historic District is a fully-furnished B&B with period antiques, 2 buildings with 5,212 HSF: 102 S 7th is the Main Guest Inn with 6 Guest Rooms, 6 1/2 Baths, Kitchen, Laundry/Pantry, Gathering Rooms, Dining Room, Wrap Around Porch. 106 S 7th is the innkeeper's residence next door and contains 3 Bedrooms, 3 Baths, Great Room, Kitchen, Parlor, Kitchenette and a fenced backyard patio area with pool. Walk one block to downtown Centre Street for shopping, dining, and the Marina. Buildings and systems have been remodeled and updated to reflect historic charm and modern convenience. The business is ''Turn Key'' and includes an extensive ''Book of Business''. Property is zoned C-3 and may be divided into 2 homes or a home w/pool and a B&B. Specifically excluded from this sale are all items, including furnishings , personally owned by the innkeeper/hostess for the inn. Please see Supplemental Information.

Cost to own

Mortgage calculator

Home Price

$2,500,000

Down Payment: 20%

$500,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$12,707

Principal & Interest: $12,707

Est. Taxes & Insurance: $3,177

Estimated Total Monthly

$15,884

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$12,707

Property taxesest. at asking price, Nassau County$3,451

Estimated total, before insurance$16,159/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Last sold: $1,697,500 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,487,324	$1,487,324	—
2024	$1,425,873	$1,425,873	—
2023	$838,222	$582,924	—
2022	$889,216	$889,216	▲ $230,366
2021	$615,540	$481,756	—
2020	$535,181	$437,960	—

Estimated taxes if purchased at asking price: ~$41,400/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1904)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,764 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 30, 2025Listed$2,500,000

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

Features

Price$2,500,000

Price / Sq Ft$480

Bedrooms9

Bathrooms11.00

Full Baths10

Half Baths2

Square Footage5,212

Acres0.31 acres

Year Built1904

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric

Property ConditionUpdated/Remodeled

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Fenced, Waterfall

Is WaterfrontNo

Community Information

Address102 S 7th Street, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size13,503.6 sq ft

Lot Dimensions100x100+100x33

Parcel Number000031180000410011

Amenities

UtilitiesCable Available, Cable Connected, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingAdditional Parking, Off Street

ViewPool

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces2

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup