This home is in Fernandina Beach.

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Active

Active·183 days on market

101 Broadbent Way

Fernandina Beach, FL 32034

$2,550,000$899/sqftEst. $12,961/moMLS# 2125671

Beds

Baths

2,838

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Timeless coastal elegance meets Low Country charm in this exquisite two-story cottage on Amelia Island. Nestled among magnolias and wax myrtle, The Sea Cottage blends European-inspired sophistication with relaxed island living. Sunlight fills the open main living area by day, while evenings glow with the warmth of a lamplit hearth. A five-panel accordion door opens completely to the screened porch, inviting in soft breezes, jasmine, and a permanent view of native greenspace. The chef's kitchen is the heart of the home, showcasing Thermador appliances, Salamander green beadboard paneling, quartz countertops, a marble island, and finely crafted cabinetry. An American Oak armoire conceals a clever surprise, adding a touch of whimsy to this elegant space. The primary suite is a luxurious retreat of calm and texture, featuring stone wainscoting, a claw-foot tub, a handmade tile shower, a grass-cloth mural, and an 18th-century French enfilade vanity. Upstairs, beautifully appointed bedrooms

Cost to own

Mortgage calculator

Home Price

$2,550,000

Down Payment: 20%

$510,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$12,961

Principal & Interest: $12,961

Est. Taxes & Insurance: $3,240

Estimated Total Monthly

$16,202

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$12,961

Property taxesest. at asking price, Nassau County$3,520

HOAbilled annually$612

Estimated total, before insurance$17,094/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$2,096,008	$2,045,286	—
2024	$2,042,103	$2,042,103	▼ $107,767
2023	$350,000	$330,000	—
2022	$300,000	$300,000	—
2021	$300,000	$300,000	—
2020	$300,000	$300,000	—

2025 property taxes (current owner): $37,020/yr

Estimated taxes if purchased at asking price: ~$42,200/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.

Storms & insurance

Florida Reality Check

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

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2023)

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

Solar potential: ~1,785 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 July 2026, 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.

History

Price & status history

Jan 17, 2026Listed$2,550,000

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

Features

Price$2,550,000

Price / Sq Ft$899

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,838

Acres0.16 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address101 Broadbent Way, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionCrane Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,969.6 sq ft

Parcel Number192N28100000480000

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Gated

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Guest Suite, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Range, Microwave, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

SecuritySecurity System Owned, Smoke Detector(s)