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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 Fernandina Beach.

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Sold

Sold·Closed May 12, 2026·70 days on market·Recent sales in Amelia Island

2749 Ocean Oaks Drive

Fernandina Beach, FL 32034

$837,500sold priceListed at $899,000 · 93.2% of asking$330/sqftMLS# 2120595
4
Beds
3
Baths
2,535
Sq Ft
1999
Built
2
Garage
Yes
Pool
HOA $32/mo0.55 acresSingle Family Residence1 story

About this home

Fernandina Beach

Live the ultimate Amelia Island lifestyle in this beautifully updated 4BR/3BA single-level home just 3 blocks from the Atlantic Ocean and an easy 8-minute walk to Beach Access 9. Located in desirable Ocean Oaks, this home offers rare privacy with a backyard bordering Egans Creek Greenway—perfect for walking, biking, and wildlife views. Inside, enjoy thoughtful upgrades including a NEW roof (2021), NEW HVAC (2025), and NEW water heater (2020). Features include custom plantation shutters, 10'-12' ceilings, two gas fireplaces, honed Carrara marble countertops, stainless appliances, gas KitchenAid range, walk-in pantry, and a flex room ideal for an office or den. Outdoors, relax by the saltwater pool and spa with waterfall feature, plus a new pump (2025). An extended two-car garage, sprinkler system, and gutters add convenience. Close to top-rated schools, Baptist Medical Center, downtown Fernandina Beach, marinas, golf, and beaches—this home blends comfort, upgrades, & coastal elegance.

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$4,639
Property taxesest. at asking price, Nassau County$1,156
HOAbilled annually$32
Estimated total, before insurance$5,827/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,466/yr · $455/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$837,500
$167,500
Loan Term
Monthly Payment
$4,639
Principal & Interest: $4,639
Property taxes (est.): $1,156
Insurance (est.): $558
Estimated Total Monthly
$6,353
*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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,466/yr

Estimated taxes if purchased at asking price: ~$13,900/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, NEFMLS.

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 $420/sq ft; this home is listed at $355/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1012 Ocean Oaks Drive S, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLCSep 2026$1,425,000$5404/32,640160.2
2792 S Ocean Oaks Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESMar 2026$975,000$4203/22,322970.2
865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$750,000$3973/2.51,887750.4
414 Portside Drive, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPMar 2026$825,000$3664/32,257810.5
1498 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by LIGHTHOUSE REALTY ASSOCIATESApr 2026$2,200,000$1,1623/21,8931470.7
1624 Indigo Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYApr 2026$670,000$3604/21,86130.7

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$899,000
Price / Sq Ft$355
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,535
Acres0.55 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesAbove Ground, Salt Water
Is WaterfrontNo

Community Information

Address2749 Ocean Oaks Drive, Fernandina Beach, FL 32034
Area430-Nassau County Beaches-North
SubdivisionOcean Oaks
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size23,958 sq ft
Parcel Number000031155O00100000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces2
# of Stories1
Spa FeaturesHeated

Exterior

Patio / PorchScreened

Additional Information

Date ListedDecember 6, 2025
Days on Market70
HOA Fees$385 / Annually
HOA FrequencyAnnually
Tax Amount$5,465.66
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: AMELIA ISLAND REAL ESTATE SERVICES (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 12, 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.

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20+ years · 500+ closings · NE Florida

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