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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 Feb 10, 2026·8 days on market·Recent sales in Amelia Island

1024 S 9th Street

Fernandina Beach, FL 32034

$200,000sold priceListed at $210,000 · 95.2% of asking$231/sqftMLS# 2123320
2
Beds
1
Baths
864
Sq Ft
1957
Built
—
Garage
No
Pool
No HOA5,227 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Investor Special | Value-Add Opportunity Attention investors and savvy buyers! This property is a prime value-add opportunity for those looking to renovate and build equity. The home is in need of significant repairs and updates and is being sold as-is, making it ideal for cash, hard money, or renovation-friendly conventional financing. With the right vision and improvements, this property offers substantial upside potential in a market where renovated homes command strong resale values. Whether you're planning a full renovation, fix-and-flip, or long-term rental, this is a chance to create value and customize the home to today's buyer demand. Conveniently located and priced accordingly, this property presents a rare opportunity to purchase a home near the beach and capitalize on future appreciation. Bring your contractor, your vision, and your best offer. No repairs will be made by the seller. Buyer to verify all property details, zoning, and intended use.

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$1,108
Property taxesest. at asking price, Nassau County$276
Estimated total, before insurance$1,384/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$200,000
$40,000
Loan Term
Monthly Payment
$1,108
Principal & Interest: $1,108
Property taxes (est.): $276
Insurance (est.): $133
Estimated Total Monthly
$1,517
*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

2025 property taxes (current owner): $37/yr

Estimated taxes if purchased at asking price: ~$3,300/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 $486/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1305 Hickory Street, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC.Dec 2025$365,000$4322/1.5845770.4
1319 Hickory Street, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2025$379,900$4402/186480.4
1324 Fir Street Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCAug 2026$427,000$4862/28781280.5
1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$449,990$4213/21,06850.6
410 Cedar Street, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$720,000$7612/294630.7
232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$500,000$5482/2912600.7

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$210,000
Price / Sq Ft$243
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage864
Acres0.12 acres
Year Built1957
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address1024 S 9th Street, Fernandina Beach, FL 32034
Area440-Fernandina Beach Downtown-South
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size5,227.2 sq ft
Parcel Number000031180001710110

Amenities

UtilitiesWater Connected
Water SourcePublic
ParkingOther

Interior

AppliancesElectric Oven
CoolingWall/Window Unit(s)
# of Stories1

Exterior

Other StructuresOther

Additional Information

Date ListedJanuary 3, 2026
Days on Market8
Tax Amount$36.56
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: GAILEY ENTERPRISES LLC (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 Feb 10, 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?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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