This home is in Fernandina Beach — an oceanfront home in Northeast Florida.
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Sold·Closed Apr 24, 2026·147 days on market·Recent sales in Amelia Island
1498 S Fletcher Avenue
Fernandina Beach, FL 32034
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.
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 (that applies to the reference bill above too).
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: 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 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.
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1981 Amelia Oaks Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $940,000 | $386 | 3/3.5 | 2,435 | 80 | 0.6 |
| 2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $642,000 | $364 | 3/2.5 | 1,764 | 2 | 0.7 |
| 2219 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Apr 2026 | $975,000 | $439 | 3/3 | 2,223 | 164 | 0.7 |
| 1865 Hometown Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $980,000 | $424 | 3/2.5 | 2,311 | 9 | 0.9 |
| 1512 Coastal Oaks Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $970,000 | $485 | 3/2.5 | 1,999 | 51 | 1 |
| 865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $750,000 | $397 | 3/2.5 | 1,887 | 75 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Your Local Realtor

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.

Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

