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Active

Active·130 days on market

7 N 13th Terrace

Fernandina Beach, FL 32034

$165,000Est. $847/moMLS# 2113000

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Fernandina Beach

This lot has a great location, just opposite Central Park and is just a 10 minute walk from downtown and 7 minute cycle from Main Beach. It has high elevation and slight slope. It has one significant tree on the side of the lot that can easily be avoided and is 25% covered in shrubs. There is no set back on front and sides and a only a 10 ft set back on back. An impervious footprint of 3651 sft is allowed. This includes the driveway, only if it is impervious. The formal access is through 13 th Terrace - a cul de sac, but informal access from the connector between 13th and 14th is also possible Zoning is MU 1 which allows Single Residential plus light business use. Owner financing is available for reasonable rates.

Cost to own

Mortgage calculator

Home Price

$165,000

Down Payment: 20%

$33,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$847

Principal & Interest: $847

Property taxes (est.): $228

Insurance (est.): $110

Estimated Total Monthly

$1,185

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$847

Property taxesest. at asking price, Nassau County$228

Estimated total, before insurance$1,075/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,627/yr · $136/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$109,650	$85,649	—
2024	$109,650	$77,863	—
2023	$93,750	$70,785	—
2022	$93,750	$64,350	—
2021	$58,500	$58,500	—
2020	$58,500	$58,500	—

2024 property taxes (current owner): $1,627/yr

Estimated taxes if purchased at asking price: ~$2,700/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

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

Solar potential: ~1,553 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