This home is in Fernandina Beach — an oceanfront home in Northeast Florida.
Active Under Contract·Listed today
2498/2500 S Fletcher Avenue
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Experience the pinnacle of coastal luxury with 100 feet of ocean frontage at this extraordinary Amelia Island estate featuring an elegant main residence and a beautifully designed guest house both positioned to capture breathtaking views that stretch for miles. The three level main house crowned with an incredible ocean view roof deck showcases meticulous craftsmanship and sophisticated modern design thanks to Studio9 Architecture and StudioM Interior Design. Every detail has been considered from Brazilian IPE siding and metal roofing to spectacular views on each floor afforded by floor to ceiling curtain wall window systems with impact rated glass. A special 27 foot variance was obtained to allow the pool and main house to be built beyond the coastal construction line. Not only does this deliver unparalleled views from the property compared to any other on the island but the foundation's 32 foot deep auger cast pilings can withstand the loss of 12 feet of earth ensuring exceptional
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 (that applies to the reference bill above too).
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: Metal — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,724 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $4,117,412 | $2,221,837 | — |
| 2024 | $3,850,974 | $2,158,512 | — |
| 2023 | $3,642,829 | $2,094,186 | — |
| 2022 | $3,755,834 | $2,031,734 | — |
| 2021 | $3,223,957 | $1,971,101 | — |
| 2020 | $2,583,683 | $1,943,196 | — |
2024 property taxes (current owner): $39,672/yr
Estimated taxes if purchased at asking price: ~$135,800/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.
History
Price & status history
- Sep 18, 2026Listed$8,200,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE AGENCY AT PONTE VEDRA · carol@taapv.com
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.
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines