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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 — a gated community home on Amelia Island.

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Sold

Sold·Closed Dec 29, 2025·26 days on market·Recent sales in Amelia Island

58 Laurel Oak Road Road

Fernandina Beach, FL 32034

$1,210,000sold priceListed at $1,250,000 · 96.8% of asking$425/sqftMLS# 2115125
3
Beds
3.5
Baths
2,848
Sq Ft
2006
Built
2
Garage
No
Pool
HOA $153/mo7,405 sqft lotSingle Family Residence2 stories

About this home

Fernandina Beach

Ideal Location & Exceptional Quality on Amelia Island! Discover coastal living at its finest in this beautifully crafted home, ideally situated inside the gated AMELIA ISLAND PLANTATION. SPECIAL CLUB MEMBERSHIP OPPORTUNITY AVAILABLE (call listing agent for details). A five-minute stroll to tennis, pickleball, and the fitness center with an indoor pool. Walk ten more minutes to the Club facility on the ocean which includes several restaurants, a beautiful pool, and beach access. Relax and unwind on the charming covered front porch or the private rear patio featuring a newly screened-in porch. Perfectly positioned with green space on the side and in back, this home offers exceptional privacy in a peaceful setting. Thoughtful design includes Primary Suite conveniently located on the main floor with new soaking tub. Elegant wood floors in the office, dining room, and family room, tile flooring in the kitchen and baths, and NEW carpet in upstairs bedrooms. MUST SEE!

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$6,702
Property taxesest. at asking price, Nassau County$1,670
HOAbilled annually$153
Estimated total, before insurance$8,526/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,210,000
$242,000
Loan Term
Monthly Payment
$6,702
Principal & Interest: $6,702
Property taxes (est.): $1,670
Insurance (est.): $807
Estimated Total Monthly
$9,179
*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 2006)

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

Solar potential: ~1,505 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.

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 $485/sq ft; this home is listed at $439/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10 Hickory Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$1,295,000$4423/2.52,929200.4
1395 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2025$950,000$4274/32,227240.4
17 Harrison Creek Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYAug 2026$2,100,000$6213/33,383400.5
4 Moss Oaks Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTFeb 2026$1,350,000$6123/22,205100.5
1351 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESApr 2026$650,000$3243/22,009260.6
1 Marsh Creek Road, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJul 2025$1,100,000$4853/2.52,267100.9

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$1,250,000
Price / Sq Ft$439
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,848
Acres0.17 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address58 Laurel Oak Road Road, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionBeachwood Village
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size7,405.2 sq ft
Parcel Number01-6N-29-0201-0100-0000
ZoningResidential

Amenities

AmenitiesBasketball Court, Beach Access, Boat Launch, Clubhouse, Gated, Jogging Path, Maintenance Grounds
Community FeaturesRestaurant, Gated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Multi Units, Zoned
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
Window FeaturesSkylight(s)
Security24 Hour Security, Gated with Guard, Security Gate

Exterior

Lot DescriptionWooded
Patio / PorchCovered, Front Porch, Patio, Rear Porch, Screened
FencingInvisible
RoofShingle
ConstructionFrame, Shell Dash, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedOctober 27, 2025
Days on Market26
HOA Fees$1,838 / Annually
HOA FrequencyAnnually
HOA NameAmelia Island Plantation Community Association
HOA Fee IncludesMaintenance Grounds, Security, Other
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (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 Dec 29, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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