Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a gated community home on Amelia Island.

1 / 77

Active

Active·186 days on market

1342 Shipwatch Circle

Fernandina Beach, FL 32034

$1,050,000$574/sqftEst. $5,354/moMLS# 2127918

Beds

Baths

1,828

Sq Ft

1975

Built

—

Garage

Pool

About this home

Fernandina Beach

OCEANFRONT resort-style living within the exclusive, gated Amelia Island Plantation. This unique END UNIT, 3BRM, 3.5BA, 2nd-floor Ship Watch Villa offers soothing VIEWS OF THE SPARKLING ATLANTIC OCEAN from a spacious balcony, perfect for soaking in gorgeous sunrises, dining alfresco, or simply unwinding to the sound of rolling waves. Updated and well equipped kitchen including a center island, and SS Appliances. Large counter spaces in the 3 ensuite bathrooms. The HEATED COMMUNITY POOL features a spacious sun deck and grilling area, just steps from the sand. Additional conveniences include a large owner's closet and a private storage unit under the building—ideal for bikes and beach gear. Fully furnished and completely turnkey, & PET FRIENDLY, this villa is ready for you to move in or start generating rental income immediately. Whether you're seeking a primary sanctuary, a vacation getaway, or a smart investment property, this beach villa offers a rare opportunity.

Cost to own

Mortgage calculator

Home Price

$1,050,000

Down Payment: 20%

$210,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,354

Principal & Interest: $5,354

Property taxes (est.): $1,450

Insurance (est.): $700

Estimated Total Monthly

$7,503

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$5,354

Property taxesest. at asking price, Nassau County$1,450

HOAbilled annually$208

Estimated total, before insurance$7,012/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,545/yr · $1,212/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$912,000	$912,000	—
2024	$903,000	$903,000	—
2023	$868,000	$868,000	—
2022	$643,000	$643,000	—
2021	$536,000	$491,700	—
2020	$447,000	$447,000	—

2025 property taxes (current owner): $14,545/yr

Estimated taxes if purchased at asking price: ~$17,400/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 1975)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,746 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 31, 2026Listed$1,050,000

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

Features

Price$1,050,000

Price / Sq Ft$574

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage1,828

Acres4.44 acres

Year Built1975

TypeResidential

Sub-TypeCondominium

StyleMid-Century Modern

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address1342 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 Number016N29V12013420000

ZoningCondominium

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Dock, Boat Launch, Clubhouse, Elevator(s), Fitness Center, Golf Course, Maintenance Grounds, Playground, Racquetball, Storage

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot, Unassigned

ViewBeach, Ocean, Pool

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

SecurityGated with Guard, Security Gate