This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Feb 27, 2026·98 days on market·Recent sales in Amelia Island
523 Tarpon Avenue
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Island Elegance Just Steps From the Beach, Live the Amelia Island lifestyle in this beautifully maintained 3-bedroom, 2-bath coastal retreat, ideally located just 2 blocks from Fernandina Beach. Offering 1863 sq. ft of refined living, this home blends timeless quality with modern convenience. Features you'll love: .Approx 4 year old metal roof .Prime location on coveted Tarpon Ave, a short stroll to the white sandy beaches, boutique shops, and fine dining. .Lush, flowering landscape creating a serene island escape. Whether enjoyed as a year-round residence or a luxury vacation home, this property offers rare proximity to Amelia Island's most beautiful shoreline. Schedule your showing today. Zoned R3 this property is available to be permitted for Short Term Rental.
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal — year not disclosed (home built 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,732 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 homeThis 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.
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 7:29 AM, sunset 6:52 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.
- Expect afternoon glare on rear 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.
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 $413/sq ft; this home is listed at $418/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2657 Gregor McGregor Boulevard, Fernandina Beach, FL 32034Listed by 1 REALTY CORP | Jan 2026 | $699,999 | $413 | 4/2 | 1,694 | 19 | 0.6 |
| 1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $725,000 | $422 | 3/2 | 1,718 | 89 | 0.7 |
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 0.8 |
| 414 Portside Drive, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Mar 2026 | $825,000 | $366 | 4/3 | 2,257 | 81 | 0.8 |
| 2019 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Dec 2025 | $1,185,000 | $544 | 3/3.5 | 2,178 | 128 | 0.8 |
| 1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Apr 2026 | $839,000 | $392 | 4/2 | 2,138 | 88 | 0.9 |
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: IRON VALLEY REAL ESTATE NORTH FLORIDA
Sold by: IRON VALLEY REAL ESTATE NORTH FLORIDA (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 Feb 27, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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