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Pending

639 GAINES Lane, Fernandina Beach, FL 32034

$649,000
MLS# 2118091
3
Bedrooms
2
Bathrooms
1,200
Sq Ft
2002
Year Built

About This Home — 639 GAINES Lane

Set on nearly an acre just outside the city limits but still on Amelia Island, this well-maintained home offers a rare combination of space, privacy, and lower county taxes. The property features a large RV carport with dedicated power hookup, along with shark-coated flooring in a fully finished garage designed for flex space, fresh paint, and new flooring throughout the interior. With a strong rental history and the ability to operate as a short-term rental, it presents excellent potential for investors as well as those seeking a private retreat. The home is being sold fully furnished for immediate use. Only minutes from the beach yet tucked into a secluded setting, this property combines convenience with a sense of calm that is increasingly hard to find on Amelia Island.

Features

Price$649,000
Price / Sq Ft$541
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,200
Acres0.70 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address639 GAINES Lane, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionFernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size30,492 sq ft
Parcel Number000030074000780070

Amenities

UtilitiesCable Connected, Electricity Connected
SewerSeptic Tank
Water SourcePrivate
ParkingGarage, Garage Door Opener, RV Access/Parking

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1

Exterior

RoofMetal
ConstructionFrame

Additional Information

Date ListedNovember 15, 2025
Days on Market270
Tax Amount$6,444.87
Tax Year2024
Listing TermsCash, Conventional, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$649,000
$129,800
Loan Term
Monthly Payment
$3,454
Principal & Interest: $3,454
Est. Taxes & Insurance: $864
Estimated Total Monthly
$4,318
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTYDANIEL HULETT · dhulett@onesothebysrealty.com

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Contact Krista

20+ years · 500+ closings · NE Florida