This home is in Fernandina Beach.
Active·184 days on market
3033 Sea Marsh Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to carefree island living in this beautifully maintained Club Villas condo, offering comfort, convenience, and a relaxed coastal feel. A private gated courtyard entry leads into an inviting open layout where the kitchen, dining, and living areas flow seamlessly for everyday living and easy entertaining. The living room opens to a peaceful patio with a natural backdrop, perfect for morning coffee or quiet evenings. The thoughtful floor plan includes two bedrooms and two-and-a-half baths, providing privacy for owners and guests. Upstairs, the spacious primary suite features vaulted ceilings, an electric fireplace, and private porch access, while the guest suite also enjoys outdoor access. Additional highlights include a guest half bath on the main level, tile flooring in main living areas, generous storage, and a smart, functional layout. Short-term rental approved and located close to beaches, golf, walking paths, dining, and island shopping.
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.
Cost to own
Taxes & assessment
Last sold: $567,000 in April 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $481,650 | $481,650 | — |
| 2024 | $441,750 | $438,900 | — |
| 2023 | $399,000 | $399,000 | — |
| 2022 | $386,650 | $386,650 | — |
| 2021 | $257,450 | $257,450 | — |
| 2020 | $245,100 | $245,100 | — |
Estimated taxes if purchased at asking price: ~$9,400/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: material not specified — year not disclosed (home built 1974)
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: ~1,548 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
- Jul 16, 2026Price change$569,000−$10,000
- Feb 5, 2026Listed$579,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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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
Curious what nearby homes sold for?
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