This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed May 22, 2026·91 days on market·Recent sales in Amelia Island
1010 N 15th Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to this stunning, fully remodeled bungalow ideally located less than two miles from both the pristine beaches of Amelia Island and the charming Historic Fernandina Beach district. This move-in-ready home blends modern updates with coastal comfort on a spacious lot just under a quarter acre. Every detail has been thoughtfully upgraded, including a brand-new roof with gutters/downspouts, new doors throughout, new ceiling fans, new water heater and water softener and durable vinyl plank flooring with stylish tile in the bathrooms. The completely redesigned kitchen shines with new cabinetry, stainless steel appliances, walk-in pantry and a new washer/dryer set. Both bathrooms have been fully renovated with new fixtures and finishes. Step outside to enjoy a newly fenced backyard—perfect for entertaining, pets, or relaxing—and a brand-new rear deck ideal for outdoor living. Additional features include a one-car garage and ample yard space with endless possibilities. Whether you're
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Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1971)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,212 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,582/yr
Estimated taxes if purchased at asking price: ~$8,200/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 $410/sq ft; this home is listed at $531/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1010 N 15th Street, Fernandina Beach, FL 32034Listed by REDFIN CORPORATION | Jul 2025 | $335,000 | $353 | 3/1.5 | 950 | 29 | 0 |
| 1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORP | Apr 2026 | $359,000 | $321 | 3/2 | 1,118 | 10 | 0.1 |
| 1411 Leon Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $515,000 | $515 | 3/2 | 1,000 | 87 | 0.1 |
| 1127 N 15th Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2025 | $415,000 | $467 | 2/1 | 888 | 21 | 0.1 |
| 1032 14th Street, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | May 2025 | $410,000 | $410 | 3/1 | 1,000 | 98 | 0.1 |
| 1032 N 14th Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | May 2025 | $410,000 | $410 | 3/1 | 1,000 | 98 | 0.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 22, 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
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