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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 Old Town, Fernandina Beach — a home near Fernandina Beach High School.

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Sold

Sold·Closed Nov 25, 2025·116 days on market·Recent sales in Old Town·Old Town

1015 Someruelus Street

Fernandina Beach, FL 32034

$900,000sold priceListed at $1,099,000 · 81.9% of asking$381/sqftMLS# 2112124
4
Beds
3.5
Baths
2,363
Sq Ft
2024
Built
—
Garage
No
Pool

3 more homes for sale in Old Town →Search Old Town on the map

No HOA4,278 sqft lotSingle Family Residence2 stories

About this home

Old Town

Indulge in this incredible 4-bed, 3.5-bath home nestled in the heart of Old Town! Peek-a-boo marsh views greet you each morning on your charming two-story porch. Inside, a gourmet kitchen flows into a sprawling great room, setting the stage for unforgettable gatherings. In addition to its already impressive features, this stunning home also boasts an upstairs flex space, providing additional versatility. Whether it's a home office, a cozy reading nook, or a play area for the kids. Enjoy an upstairs en suite, offering privacy and convenience for guests or family members staying over. This thoughtful addition enhances the comfort and functionality of the home. Just minutes away from Downtown and Tiger Point Marina, and just a stroll to the riverfront and Fernandina Plaza Historic State Park. This new construction promises luxury and comfort. It's a blend of elegance and functionality. Welcome to your new haven!

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$4,985
Property taxesest. at asking price, Nassau County$1,242
Estimated total, before insurance$6,228/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,083/yr · $340/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

$900,000
$180,000
Loan Term
Monthly Payment
$4,985
Principal & Interest: $4,985
Property taxes (est.): $1,243
Insurance (est.): $600
Estimated Total Monthly
$6,828
*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.

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: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,769 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

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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

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

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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

Last sold: $189,000 in April 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$947,189$921,186▼ $178,227
2024$237,660$215,292—
2023$195,720$195,720▲ $9,320
2022$139,800$117,898—
2021$107,180$107,180—
2020$93,200$93,200—

2024 property taxes (current owner): $4,083/yr

Estimated taxes if purchased at asking price: ~$14,900/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 25, 2026Closed$1,099,000

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 $397/sq ft; this home is listed at $465/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$725,000$4223/21,718891
413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2026$685,000$3165/32,17001
1606 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$1,190,000$4673/32,54731.4
212 S 6th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPOct 2026$1,000,000$3973/22,516511.5
226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$755,000$3724/32,03221.5
704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCAug 2026$629,000$3773/2.51,668141.9

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

Price$1,099,000
Price / Sq Ft$465
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,363
Acres0.10 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address1015 Someruelus Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionOld Town
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size4,277.59 sq ft
Lot Dimensions93x46
Parcel Number000031158000110060
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingCarport, Detached

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms
AppliancesConvection Oven, Dishwasher, Gas Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Lot DescriptionHistoric Area
Patio / PorchFront Porch
RoofShingle
ConstructionFrame
Road SurfaceGravel
Road FrontageCity Street

Additional Information

Date ListedOctober 22, 2025
Days on Market116
Tax Amount$4,082.74
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SALT HARBOR REAL ESTATE COMPANY LLC

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 Old Town

Old Town is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Old Town homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Nov 25, 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

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

Northeast Florida living

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