Skip to main content
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.

No photos available

This listing has no photos yet

Sold

Sold·Closed Feb 9, 2026·2 days on market·Recent sales in Amelia Island

706 N 15th Street

Fernandina Beach, FL 32034

$399,999sold priceListed at $399,999 · 100% of asking$328/sqftMLS# 2124850
3
Beds
2
Baths
1,220
Sq Ft
1990
Built
2
Garage
No
Pool
No HOA8,712 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Come explore this 3 bedroom, 2 bath home offering 1,220 square feet that lives larger than expected thanks to an open floorplan and abundant natural light. Situated on a beautiful lot, this property features a welcoming layout, bright interiors, fenced yard, rear deck and a new roof installed in 2019, providing peace of mind and long term value. Ideally located near historic downtown Fernandina, this home places you minutes from downtown shops, dining, and local events, as well as a short drive or bike ride to the beach. This highly desirable area continues to be a strong investment due to its charm, walkability, and enduring demand. This home is not in a flood zone, has no HOA and can be rented 30 days+. With solid bones, charming details, and all the essentials already in place, this property presents an excellent opportunity for a buyer to make smart upgrades and unlock significant upside. It would not take much to elevate this home and create an exceptional island residence

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$2,216
Property taxesest. at asking price, Nassau County$552
Estimated total, before insurance$2,768/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

$399,999
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $552
Insurance (est.): $267
Estimated Total Monthly
$3,035
*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.

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 $416/sq ft; this home is listed at $328/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
807 Stanley Drive, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCMar 2026$395,000$4162/195050.1
830 N 15th Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJun 2025$455,000$3133/21,453890.1
508 Stanley Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$280,000$2802/11,00030.3
1010 N 15th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPMay 2026$494,900$5213/2950910.3
1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORPApr 2026$359,000$3213/21,118100.3
1411 Leon Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2025$515,000$5153/21,000870.3

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$399,999
Price / Sq Ft$328
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,220
Acres0.20 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address706 N 15th Street, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionHighland Oaks
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size8,712 sq ft
Parcel Number000031138500220000

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
# of Stories1

Exterior

Lot DescriptionMany Trees

Additional Information

Date ListedJanuary 13, 2026
Days on Market2
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

Sold by: NON MLS (realMLS) (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 9, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines