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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 Ship Watch, Fernandina Beach — a gated community home on Amelia Island.

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Sold

Sold·Closed Mar 9, 2026·28 days on market·Recent sales in Ship Watch·Ship Watch

1350 Shipwatch Circle

Fernandina Beach, FL 32034

$1,040,000sold priceListed at $1,195,000 · 87% of asking$630/sqftMLS# 2125711
2
Beds
2
Baths
1,650
Sq Ft
1975
Built
—
Garage
No
Pool

3 more homes for sale in Ship Watch →Search Ship Watch on the map

HOA $208/mo4.44 acresWaterfrontCondominium1 story

About this home

Ship Watch

Welcome to an unparalleled coastal escape at 1350 Shipwatch Circle, a stunning furnished 5th-floor oceanfront villa situated within the exclusive, gated community of the Amelia Island Plantation. This meticulously updated residence offers an idyllic blend of sophisticated living and breathtaking natural beauty, perfectly poised to be your full-time sanctuary, second home or a spectacular investment property. Imagine waking to the magnificent spectacle of a sunrise painting the Atlantic Ocean in brilliant hues, a daily masterpiece viewed from the comfort of your home. With direct access to 13 miles of pristine, unspoiled beach, this is true island living at its finest. The villa itself has been thoughtfully and recently updated to offer both style and modern convenience. Step into a space refreshed with a flooring installed and a fresh coat of paint throughout, completed in December 2023. The kitchen gleams with newer stainless steel appliances, while the living room has been

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$5,761
Property taxesest. at asking price, Nassau County$1,436
HOAbilled annually$208
Estimated total, before insurance$7,405/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,673/yr · $1,056/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

$1,040,000
$208,000
Loan Term
Monthly Payment
$5,761
Principal & Interest: $5,761
Property taxes (est.): $1,436
Insurance (est.): $693
Estimated Total Monthly
$7,890
*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: Metal — year not disclosed (home built 1975)

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

Solar potential: ~1,743 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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $12,673/yr

Estimated taxes if purchased at asking price: ~$17,200/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, 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 $609/sq ft; this home is listed at $724/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1391 Shipwatch Circle, Fernandina Beach, FL 32034Listed by COMPASS FLORIDA LLCJul 2026$965,000$7642/21,263540
1334 Shipwatch Circle 1334, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJan 2026$810,000$5932/21,367240
1368 Shipwatch Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2025$850,000$6092/21,3951060
1424 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHAD AND SANDY REAL ESTATE GROUPDec 2025$935,000$4772/2.51,960430.1
11 Little Dunes Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESMay 2026$1,282,000$6083/32,108390.2
1169 Beach Walker Road 1169, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTFeb 2026$1,000,000$6114/41,636120.2

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$1,195,000
Price / Sq Ft$724
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,650
Acres4.44 acres
Year Built1975
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address1350 Shipwatch Circle, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionShip Watch
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size193,406.4 sq ft
Parcel Number016N29V12013500000

Amenities

AmenitiesPool, Beach Access, Gated, Jogging Path, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management - Off Site, Park, Playground, Security
Community FeaturesGated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewBeach, Ocean
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LaundryIn Unit

Exterior

Exterior FeaturesBalcony
RoofMetal
ConstructionBlock, Concrete, Stucco

Additional Information

Date ListedJanuary 18, 2026
Days on Market28
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
HOA NameShipwatch HOA
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Security, Sewer, Water
Tax Amount$12,673.1
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (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.

The neighborhood

About Ship Watch

Ship Watch is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Ship Watch homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 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.

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