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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 on Amelia Island.

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Sold

$7,800,000Sold5 bd · 6.5 ba · 5,605 sq ft

Sold·Closed Oct 16, 2026·166 days on market·Recent sales in Amelia Island

2498/2500 S Fletcher Avenue

Fernandina Beach, FL 32034

$7,800,000sold priceListed at $8,200,000 · 95.1% of asking$1392/sqftMLS# 2121952
5
Beds
6.5
Baths
5,605
Sq Ft
2018
Built
3
Garage
Yes
Pool
FEMA Zone XNo HOA0.88 acresWaterfrontSingle Family Residence3 stories

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.

Principal & interest20% down · 7.24% · 30yr$42,525
Property taxesest. at asking price, Nassau County$10,768
Estimated total, before insurance$53,294/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$39,672/yr · $3,306/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).

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: Metal — year not disclosed (home built 2018)

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: ~1,724 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 home

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 6:41 AM, sunset 5:37 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$129,200/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

  • Oct 16, 2026Closed$8,200,000
  • Oct 13, 2026Pending$8,200,000
  • Sep 18, 2026Listed$8,200,000

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

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 $285/sq ft; this home is listed at $1,392/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2618 Countess Of Egmont Street, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMay 2025$1,175,000$2854/44,1212212.3

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$8,200,000
Price / Sq Ft$1,463
Bedrooms5
Bathrooms6.50
Full Baths6
Half Baths1
Square Footage5,605
Acres0.88 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water
Is WaterfrontYes
Direction FacesEast

School Information

This listingNo schools reported in the MLS
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2498/2500 S Fletcher Avenue, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionFernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size38,332.8 sq ft
Lot Dimensions100 ocean frontage feet
Parcel Number000031114A00160000
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewOcean
Waterfront TypeOcean Front

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar, Wine Cellar
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories3
LevelsThree Or More
LaundryLower Level, Upper Level
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesBalcony, Impact Windows, Outdoor Kitchen, Outdoor Shower
RoofMetal
ConstructionConcrete, Stucco, Wood Siding

Additional Information

Date ListedSeptember 18, 2026
Days on Market166
Tax Amount$39,672.38
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE AGENCY AT PONTE VEDRA

Sold by: THE AGENCY AT PONTE VEDRA (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 Oct 16, 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?

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