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Active

Active·200 days on market

0 Mango Lane

Fernandina Beach, FL 32034

$357,500Est. $1,836/moMLS# 2116465

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Fernandina Beach

Peaceful Marshfront Retreat - 3.26 acres tucked along the marsh and a tranquil tidal creek, this secluded property offers breathtaking views and exceptional privacy. The high and dry land provides a solid foundation for your future home, surrounded by mature trees and natural beauty, a perfect canvas to create your ideal coastal retreat. A private 30-foot easement ensures convenient, exclusive access. Located in the top-rated Fernandina Beach school district, just minutes from historic downtown Fernandina and Amelia Island's beaches, and only 30 minutes to Jacksonville International Airport. Don't miss this rare opportunity to own a private piece of Amelia Island paradise.

Cost to own

Mortgage calculator

Home Price

$357,500

Down Payment: 20%

$71,500

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,836

Principal & Interest: $1,836

Property taxes (est.): $494

Insurance (est.): $238

Estimated Total Monthly

$2,568

*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$1,836

Property taxesest. at asking price, Nassau County$494

Estimated total, before insurance$2,330/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,076/yr · $340/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	$440,100	$262,513	—
2024	$293,400	$238,648	—
2023	$293,400	$216,953	—
2022	$249,390	$197,230	—
2021	$190,710	$179,300	—
2020	$163,000	$163,000	—

2024 property taxes (current owner): $4,076/yr

Estimated taxes if purchased at asking price: ~$5,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C 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: ~1,760 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