This home is in Fernandina Beach.

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Active

Active·140 days on market

22 Belted Kingfisher Road

Fernandina Beach, FL 32034

$1,699,000$564/sqftEst. $9,043/moMLS# 2119595

Beds

Baths

3,015

Sq Ft

1986

Built

Garage

Pool

About this home

Fernandina Beach

Amelia Island Plantation Beauty on the Coveted South End! This exquisitely renovated home offers long range views of the marsh and inter coastal waterways and the newly completed Oak Marsh Golf Course from nearly every room, creating a picturesque backdrop year-round. Outdoor living is unmatched with a 243 sq-ft front porch and an expansive 750 sq-ft rear deck, both crafted from durable, low-maintenance TREX decking. Step through the double mahogany doors into a space where no detail was overlooked. The grand stairway and Rania Locust solid hardwood floors immediately impress, while plank ceilings lend warmth and custom charm throughout the home. The open-concept kitchen is a dream for any chef, featuring brand-new wood cabinetry with designer hardware and lighting, top-grade quartz countertops, a Delta workstation sink with touchless faucet, a professional-grade stove with hidden vent, new refrigerator, and a stunning designer backsplash. The luxurious upstairs owner's suite is

Cost to own

Mortgage calculator

Home Price

$1,699,000

Down Payment: 20%

$339,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$8,582

Principal & Interest: $8,582

Est. Taxes & Insurance: $2,146

Estimated Total Monthly

$10,728

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$9,043

Property taxesest. at asking price, Nassau County$2,346

HOAbilled annually$153

Estimated total, before insurance$11,541/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$997,284	$502,162	—
2024	$973,888	$487,302	—
2023	$901,911	$471,652	—
2022	$686,397	$456,458	—
2021	$565,209	$441,707	—
2020	$484,918	$434,918	—

2024 property taxes (current owner): $8,115/yr

Estimated taxes if purchased at asking price: ~$28,100/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1986)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,580 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 25, 2026Listed$1,699,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,699,000

Price / Sq Ft$564

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,015

Acres0.14 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address22 Belted Kingfisher Road, Fernandina Beach, FL 32034

Area460-Amelia Island Plantation

SubdivisionAmelia Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,098.4 sq ft

Parcel Number016N29130000750000

ZoningSingle Family

Amenities

AmenitiesGated, Park, Playground, Security

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewGolf Course, Pond, Water

Waterfront TypeMarsh, Pond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LaundryLower Level