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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 — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Jun 26, 2026·178 days on market·Recent sales in Amelia Island

4694 Carlton Dunes Drive 1401

Fernandina Beach, FL 32034

$2,800,000sold priceListed at $2,900,000 · 96.6% of asking$919/sqftMLS# 2120702
4
Beds
4
Baths
3,046
Sq Ft
1999
Built
1
Garage
No
Pool
HOA $2572/mo5.26 acresWaterfrontCondominium1 story

About this home

Fernandina Beach

Oceanfront Luxury Living at Its Finest 4694 Carlton Dunes Dr, Unit 1401 Welcome to Carlton Dunes, where elevated coastal living meets unmatched convenience on the coveted south end of Amelia Island. This exceptional 4th-floor, north-facing condo in Building One offers one of the best north-facing ocean views in the entire complex, providing a serene backdrop of rolling waves, pristine dunes, and endless horizon. Step inside to a spacious, light-filled open-concept layout designed for comfort and luxury. Offered furnished, minus a few exceptions, allowing you to begin enjoying the Amelia Island lifestyle from day one. Thoughtful finishes, generous living spaces, and expansive windows bring the beauty of the coast right into your living room. Residents enjoy two beautifully renovated pools one heated for year-round enjoyment. The community is gated for privacy and peace of mind, and sits adjacent to the renowned Ritz-Carlton Amelia Island.

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$15,509
Property taxesest. at asking price, Nassau County$3,865
HOAbilled monthly$2,572
Estimated total, before insurance$21,947/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$39,087/yr · $3,257/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

$2,800,000
$560,000
Loan Term
Monthly Payment
$15,509
Principal & Interest: $15,509
Property taxes (est.): $3,866
Insurance (est.): $1,867
Estimated Total Monthly
$21,241
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

YearMarket valueTaxable valueChange
2025$2,702,700$2,621,105—
2024$2,598,750$2,382,823—
2023$2,551,500$2,166,203—
2022$2,383,500$1,969,275—
2021$1,790,250$1,790,250—
2020$1,669,500$1,669,500—

2024 property taxes (current owner): $39,087/yr

Estimated taxes if purchased at asking price: ~$46,400/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.

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 $627/sq ft; this home is listed at $952/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4670 Carlton Dunes Drive 3201, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESOct 2026$2,625,000$8624/43,046920
95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$840,000$3943/2.52,134741.1
5025 1st Coast Highway 202B, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$2,100,000$6273/3.53,3481811.2

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$2,900,000
Price / Sq Ft$952
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,046
Acres5.26 acres
Year Built1999
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address4694 Carlton Dunes Drive 1401, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionCarlton Dunes
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size229,125.6 sq ft
Parcel Number00SB30022C14010000

Amenities

AmenitiesPool, Gated, Maintenance Grounds, Trash
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewBeach, Ocean

Interior

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
SecuritySecurity Gate
Spa FeaturesHeated, Community

Exterior

Exterior FeaturesBalcony
Patio / PorchWrap Around

Additional Information

Date ListedDecember 8, 2025
Days on Market178
HOA Fees$2,572 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesCable TV, Insurance, Maintenance Grounds, Maintenance Structure, Trash
Tax Amount$39,086.69
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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 Jun 26, 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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