This home is in Ocean Cay, Fernandina Beach.
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Sold·Closed Mar 27, 2026·81 days on market·Recent sales in Ocean Cay·Ocean Cay
414 Portside Drive
Fernandina Beach, FL 32034
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About this home
Ocean Cay
Island Life is Calling! Updated 4-bed/3-bath home tucked deep into a quiet cul-de-sac in the Ocean Cay community on Amelia Island! Walk to the beach, restaurants, Fort Clinch, the Atlantic Rec Center, and Egans Creek Greenway w/kayak launch. This open, light-filled plan features solid-surface flooring and a welcoming living area with a wood-burning fireplace. Three first-floor bedrooms provide comfortable living. The fourth bedroom/bonus room and full bath on the second floor are ideal for guests, a private office, or a retreat. Updates include 2025 Roof, WOLF dual-fuel oven, BOSCH dishwasher, two 2018 HVAC systems, whole-house water filtration and water softener, smart garage door opener, epoxy flooring, and dedicated Level 2 EV charging port. Most windows replaced in 2023. Enjoy indoor/outdoor living with a tiled lanai, paver patio, and outdoor shower. Ocean Cay's gathering area in the cul-de-sac adds to the community's appeal. Schedule your showing Today!
Next steps in Ocean Cay
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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 homeThis 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.
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 $397/sq ft; this home is listed at $376/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $750,000 | $397 | 3/2.5 | 1,887 | 75 | 0.1 |
| 2749 Ocean Oaks Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | May 2026 | $837,500 | $330 | 4/3 | 2,535 | 70 | 0.5 |
| 1012 Ocean Oaks Drive S, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $1,425,000 | $540 | 4/3 | 2,640 | 16 | 0.6 |
| 2792 S Ocean Oaks Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Mar 2026 | $975,000 | $420 | 3/2 | 2,322 | 97 | 0.6 |
| 2027-A Natures Lane W, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Mar 2026 | $459,000 | $275 | 3/2.5 | 1,672 | 10 | 0.8 |
| 523 Tarpon Avenue, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Feb 2026 | $740,000 | $397 | 3/2 | 1,863 | 98 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER THE AMELIA GROUP
Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (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 Ocean Cay
Ocean Cay is a neighborhood in Jacksonville Beach, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Mar 27, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines