This home is in Fernandina Beach.

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Active

Active·177 days on market

1306 S 4th Street

Fernandina Beach, FL 32034

$399,999$397/sqftEst. $2,033/moMLS# 2126609

Beds

Baths

1,008

Sq Ft

1960

Built

—

Garage

Pool

About this home

Fernandina Beach

Welcome to your new favorite island home, this 3 bedroom, 2 bath bungalow offers a practical layout and solid construction just minutes from the best of Fernandina Beach. Built with concrete block construction, the home offers durability, reliability, and lower long term maintenance considerations. Being sold furnished, it is move in ready and suitable for immediate use as a primary residence, second home, or rental property. Vinyl plank flooring runs throughout the home and supports everyday living with easy upkeep. The interior layout is efficient and functional, maximizing usable square footage without wasted space. Outside, the property includes multiple fruit trees, a large storage shed, and a fully fenced backyard that can accommodate pets, equipment, or outdoor gatherings. Two separate driveways provide ample off street parking for residents and guests. Eligible for short term rentals, this property offers flexibility for personal use or income production.Book your showing.

Cost to own

Mortgage calculator

Home Price

$399,999

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*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$2,033

Property taxesest. at asking price, Nassau County$552

Estimated total, before insurance$2,585/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	$216,183	$158,049	—
2024	$182,373	$143,681	—
2023	$163,740	$130,619	—
2022	$163,169	$118,745	—
2021	$107,950	$107,950	—
2020	$98,209	$98,209	—

2025 property taxes (current owner): $2,817/yr

Estimated taxes if purchased at asking price: ~$6,600/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: Shingle — year not disclosed (home built 1960)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,379 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 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 23, 2026Listed$399,999

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

Features

Price$399,999

Price / Sq Ft$397

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,008

Acres0.23 acres

Year Built1960

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

Community Information

Address1306 S 4th Street, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Lot Dimensions100x100

Parcel Number000031180001910010

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Available, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

# of Stories1

LevelsOne

LaundryIn Unit