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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 Summer Beach, Fernandina Beach — a home near Fernandina Beach High School.

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Sold

Sold·Closed Nov 13, 2025·8 days on market·Recent sales in Summer Beach·Summer Beach

1601 Regatta Drive

Fernandina Beach, FL 32034

$850,000sold priceListed at $945,000 · 89.9% of asking$312/sqftMLS# 2114511
3
Beds
3.5
Baths
2,727
Sq Ft
1993
Built
2
Garage
No
Pool

4 more homes for sale in Summer Beach →Search Summer Beach on the map

HOA $160/mo10,019 sqft lotSingle Family Residence1 story

About this home

Summer Beach

GOLFSIDE SOUTH AT SUMMER BEACH. Brick ranch with primary suite featuring his and her baths and 2 closets. Private Paver patio w/fenced yard, great for pets. Oversized kitchen and breakfast room with bay window. Split design for guest bedrooms share a full bath. Office/Study perfect for soft bed for additional bedroom space for guests. Additional 1/2 bath. Dining Room and large great room with fireplace and access to patio. Bahama Hurricane shutters.

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$4,708
Property taxesest. at asking price, Nassau County$1,173
HOAbilled monthly$160
Estimated total, before insurance$6,042/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,816/yr · $485/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

$850,000
$170,000
Loan Term
Monthly Payment
$4,708
Principal & Interest: $4,708
Property taxes (est.): $1,173
Insurance (est.): $567
Estimated Total Monthly
$6,448
*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 1993)

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

Solar potential: ~1,537 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

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

2024 property taxes (current owner): $5,816/yr

Estimated taxes if purchased at asking price: ~$14,100/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 $423/sq ft; this home is listed at $347/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4919 Yachtsmans Drive, Fernandina Beach, FL 32034Listed by CRATEM REALTY COMPANYAug 2026$950,000$3714/32,55930.1
1587 Regatta Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLCApr 2026$1,270,000$5193/32,449180.1
1657 Rigging Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESDec 2025$1,300,000$3753/3.53,466700.1
1656 Rigging Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESOct 2025$1,100,000$4234/32,599330.1
4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$682,500$3403/2.52,0061750.3
1750 Regatta Drive, Fernandina Beach, FL 32034Listed by MILLER & COMPANY REAL ESTATEApr 2026$825,000$4273/21,932140.3

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$945,000
Price / Sq Ft$347
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,727
Acres0.23 acres
Year Built1993
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryAtlantic

Community Information

Address1601 Regatta Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionGolfside At Summer Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,018.8 sq ft
Lot Dimensions92X111
Parcel Number00SB30065A01010000
ZoningPUD

Amenities

AmenitiesPool, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Gated

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesStorm Shutters
Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchAwning(s), Patio
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionBrick Veneer
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedOctober 23, 2025
Days on Market8
HOA Fees$160 / Monthly
HOA FrequencyMonthly
Tax Amount$5,815.88
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PINEYWOODS REALTY LLC

Sold by: PINEYWOODS REALTY LLC (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.

The neighborhood

About Summer Beach

Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Summer Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Nov 13, 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

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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