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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 Mar 30, 2026·56 days on market·Recent sales in Amelia Island

619 S 10th Street

Fernandina Beach, FL 32034

$422,500sold priceListed at $425,000 · 99.4% of asking$282/sqftMLS# 2123384
4
Beds
3
Baths
1,500
Sq Ft
1943
Built
—
Garage
Yes
Pool
No HOA5,227 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

RECENTLY APPRAISED AT $515,000 WALK INTO INSTANT EQUITY at 619 S 10th Street, a fully renovated 4-bedroom, 3-bathroom single-family home in the heart of Fernandina Beach's Downtown-West historic area on Amelia Island. Spanning 1,500 sq ft on a generous 5,227 sq ft lot (0.12 acres), this 1943 charmer has been meticulously transformed top to bottom with premium materials, modern design, and flawless craftsmanship—priced to sell fast for your growing family or dream vacation retreat. Prime Location: Nestled in the vibrant 410-Fernandina Beach Downtown-West neighborhood, enjoy a relaxed bike ride or short walk to pristine Amelia Island beaches like Main Beach Park (just ~1.5 miles away) for shelling, surfing, and sunsets. Stroll minutes to the 50-block Historic Downtown District on the National Register of Historic Places, where Victorian architecture lines Centre Street amid boutique shops, live music, Southern dining, and festivals—perfect for outdoor adventures and island living

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$2,340
Property taxesest. at asking price, Nassau County$583
Estimated total, before insurance$2,924/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,041/yr · $253/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

$422,500
$84,500
Loan Term
Monthly Payment
$2,340
Principal & Interest: $2,340
Property taxes (est.): $583
Insurance (est.): $282
Estimated Total Monthly
$3,205
*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.

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: Shingle — year not disclosed (home built 1943)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,753 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

This 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

2025 property taxes (current owner): $3,041/yr

Estimated taxes if purchased at asking price: ~$7,000/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 $351/sq ft; this home is listed at $283/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCAug 2026$629,000$3773/2.51,668140.1
728 9th Street A&B, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$220,000$1724/21,27690.1
1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$449,990$4213/21,06850.2
410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$410,000$3153/21,30380.2
710 S 7th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCMay 2026$450,000$3243/2.51,39100.2
831 Division Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLCMay 2026$420,000$3513/21,19560.2

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$425,000
Price / Sq Ft$283
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage1,500
Acres0.12 acres
Year Built1943
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolYes
Pool FeaturesAbove Ground, Fenced
Is WaterfrontNo

Community Information

Address619 S 10th Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size5,227.2 sq ft
Parcel Number000031180001460061

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

FencingBack Yard
RoofShingle

Additional Information

Date ListedMarch 5, 2026
Days on Market56
Tax Amount$3,041.27
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MILITARY REALTY OF FLORIDA

Sold by: SUMMER HOUSE REALTY (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 Mar 30, 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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