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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 Fernandina Beach — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Apr 24, 2026·147 days on market·Recent sales in Amelia Island

1498 S Fletcher Avenue

Fernandina Beach, FL 32034

$2,200,000sold priceListed at $2,425,000 · 90.7% of asking$1162/sqftMLS# 2113865
3
Beds
2
Baths
1,893
Sq Ft
1978
Built
—
Garage
No
Pool
No HOA10,019 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fernandina Beach

Welcome to your own slice of Old Florida charm! Nestled in the highly sought-after Miramar Beach community of Fernandina Beach, this direct oceanfront cottage is truly a coastal treasure. Lovingly maintained by its current owners, this home has been the setting for countless family gatherings and is now ready to welcome a new generation to create lasting memories by the sea. Step inside to find a light-filled interior that perfectly blends comfort, style, and coastal charm. From sunrise views over the Atlantic to the soothing sound of waves, every detail of this cottage captures the essence of relaxed beachside living. Enjoy your private oceanfront boardwalk, where sandy toes and salty breezes await just steps from your door. Whether you're seeking a peaceful retreat or a timeless family getaway, this Fernandina Beach gem offers the perfect balance of serenity and seaside charm.

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$12,186
Property taxesest. at asking price, Nassau County$3,037
Estimated total, before insurance$15,223/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$27,609/yr · $2,301/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

$2,200,000
$440,000
Loan Term
Monthly Payment
$12,186
Principal & Interest: $12,186
Property taxes (est.): $3,037
Insurance (est.): $1,467
Estimated Total Monthly
$16,690
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 1978)

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

Solar potential: ~1,796 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $27,609/yr

Estimated taxes if purchased at asking price: ~$36,400/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, NEFMLS.

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 $424/sq ft; this home is listed at $1,281/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1981 Amelia Oaks Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJun 2026$940,000$3863/3.52,435800.6
2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$642,000$3643/2.51,76420.7
2219 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by MOMENTUM REALTYApr 2026$975,000$4393/32,2231640.7
1865 Hometown Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYOct 2026$980,000$4243/2.52,31190.9
1512 Coastal Oaks Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$970,000$4853/2.51,999511
865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$750,000$3973/2.51,887751

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$2,425,000
Price / Sq Ft$1,281
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,893
Acres0.23 acres
Year Built1978
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage, Ranch
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address1498 S Fletcher Avenue, Fernandina Beach, FL 32034
Area430-Nassau County Beaches-North
SubdivisionMiramar Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,018.8 sq ft
Parcel Number000031146000140000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther
ViewBeach
Waterfront TypeOcean Front

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

RoofShingle
ConstructionFrame

Additional Information

Date ListedOctober 17, 2025
Days on Market147
Tax Amount$27,609.06
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LIGHTHOUSE REALTY ASSOCIATES

Sold by: EXIT 1 STOP REALTY (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 24, 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.

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