Active·177 days on market
1962 S Fletcher Avenue
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Build your dream home or business here! Experience true oceanfront living at this beautifully positioned 70 ft. wide vacant lot at 1962 S Fletcher Avenue in Fernandina Beach. This oceanfront lot offers unobstructed views of the Atlantic w/ direct beach access, & the rare opportunity to own along one of Fernandina Beach's most desirable coastal corridors. This property offers .39 acres & is zoned Commercial (can be rezoned Residential), is perched 16 feet above sea level w/ a 35' maximum height ordinance. Walk or bike to numerous restaurants, shops, Fort Clinch State Park, miles of bike trails, kayaking or boating for you water enthusiasts, or take a short drive to downtown Fernandina offering even more shopping & dining experiences in this quaint seaside town! You are also short drive to Amelia Island & The Amelia Island Plantation, Jacksonville International Airport, Mayo Clinic, home of the Jacksonville Jaguars & home of The PGA Tour! Adjacent lot (1974 S. Fletcher) is also
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,050,000 | $1,050,000 | — |
| 2024 | $1,050,000 | $1,050,000 | — |
| 2023 | $1,050,000 | $1,016,400 | — |
| 2022 | $1,050,000 | $924,000 | — |
| 2021 | $840,000 | $840,000 | — |
| 2020 | $770,000 | $770,000 | — |
2025 property taxes (current owner): $18,923/yr
Estimated taxes if purchased at asking price: ~$52,200/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 VE — coastal high-hazard area
Flood insurance is required by lenders, at coastal (wave-action) rates.
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: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,772 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 homeAs 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
- Feb 2, 2026Listed$3,150,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines