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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 Plantation Oaks, Fernandina Beach.

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Sold·Closed Jan 9, 2026·4 days on market·Recent sales in Plantation Oaks·Plantation Oaks

1558 Plantatin Oaks Terrace

Fernandina Beach, FL 32034

$720,000sold priceListed at $739,000 · 97.4% of asking$352/sqftMLS# 2117059
3
Beds
2
Baths
2,046
Sq Ft
1988
Built
2
Garage
No
Pool

6 more homes for sale in Plantation Oaks →Search Plantation Oaks on the map

No HOASingle Family Residence1 story

About this home

Plantation Oaks

Where island days begin with sunshine and end under the stars, this thoughtfully updated home invites you to slow down and savor Amelia Island living. Set on a rare .36-acre lot on the coveted south end, this property offers an uncommon sense of space and privacy rarely found this close to the beach. Inside, natural light fills the 3-bedroom, 2-bath retreat, featuring vaulted ceilings, skylights, a wood-burning fireplace, and luxury vinyl plank flooring throughout. The kitchen showcases new Frigidaire Gallery appliances, an induction range with built-in pizza oven, quartz countertops, and a farmhouse sink. Major upgrades—including a 2023 roof, new water heater, updated lighting, and fresh paint—make this home truly move-in ready. Step outside to enjoy a backyard retreat with a fire pit, outdoor shower, and storage shed—perfect for embracing the Florida lifestyle. With no HOA and the ocean just minutes away, you'll experience the best of island living, every day. Welcome home!

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$3,988
Property taxesest. at asking price, Nassau County$994
Estimated total, before insurance$4,982/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

$720,000
$144,000
Loan Term
Monthly Payment
$3,988
Principal & Interest: $3,988
Property taxes (est.): $994
Insurance (est.): $480
Estimated Total Monthly
$5,462
*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 — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,553 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 $427/sq ft; this home is listed at $361/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4919 Yachtsmans Drive, Fernandina Beach, FL 32034Listed by CRATEM REALTY COMPANYAug 2026$950,000$3714/32,55930.2
1428 Plantation Oaks Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$742,000$4423/21,67820.2
1587 Regatta Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLCApr 2026$1,270,000$5193/32,449180.3
4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$682,500$3403/2.52,0061750.4
1750 Regatta Drive, Fernandina Beach, FL 32034Listed by MILLER & COMPANY REAL ESTATEApr 2026$825,000$4273/21,932140.4
1656 Rigging Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESOct 2025$1,100,000$4234/32,599330.4

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$739,000
Price / Sq Ft$361
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,046
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1558 Plantatin Oaks Terrace, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionPlantation Oaks
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000030051300280000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1

Exterior

Patio / PorchRear Porch
FencingBack Yard
RoofShingle

Additional Information

Date ListedNovember 8, 2025
Days on Market4
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: NON MLS (realMLS) (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 Plantation Oaks

Plantation Oaks is a neighborhood in Ponte Vedra Beach, FL (Nassau County), ZIP 32034.

View all Plantation Oaks homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 9, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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