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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Fernandina Beach.

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Sold

Sold·Closed Jul 15, 2026·130 days on market·Recent sales in Amelia Island

925 Tarpon Avenue 21

Fernandina Beach, FL 32034

$430,000sold priceListed at $459,000 · 93.7% of asking$374/sqftMLS# 2128893
2
Beds
2.5
Baths
1,150
Sq Ft
1983
Built
—
Garage
No
Pool
HOA $285/moTownhouse2 stories

About this home

Fernandina Beach

Experience the best of beachside living without the beachfront price! This beautifully maintained townhome is located at the northernmost end of Amelia Island, backing up to the serene Fort Clinch State Park. Enjoy glimpses of the ocean from the second floor, listen to the soothing sounds of the waves, and watch deer roam through the peaceful natural surroundings. Move-in ready and impeccably kept, this townhome features two primary suites with adjacent baths, a bright and airy kitchen, and a welcoming family room with a convenient half bath for guests. The carport includes a utility room with a washer and dryer, plus an additional unattached storage shed that is perfect for your beach gear and gardening tools. With a brand-new roof (2024), this home is ready for you to settle in and start enjoying island life. Relax in the tranquil backyard, soak in the coastal breeze, and embrace the perfect balance of nature and convenience. Do not miss this rare opportunity to live near the beach

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,382
Property taxesest. at asking price, Nassau County$594
HOAbilled monthly$285
Estimated total, before insurance$3,260/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$430,000
$86,000
Loan Term
Monthly Payment
$2,382
Principal & Interest: $2,382
Property taxes (est.): $594
Insurance (est.): $287
Estimated Total Monthly
$3,262
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$450,436$313,781—
2024$380,554$285,255—
2023$381,961$259,323—
2022$297,894$235,748—
2021$225,994$214,316—
2020$209,761$194,833—

Estimated taxes if purchased at asking price: ~$7,100/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.

History

Price & status history

  • Jul 15, 2026Closed$459,000

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

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 $526/sq ft; this home is listed at $399/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1032 N Fletcher Avenue A-2, Fernandina Beach, FL 32034Listed by FLUID REALTY, LLC.Jun 2026$637,700$6202/2.51,02890.1
2784 5th Street B, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2026$510,000$5262/2970450.2
631 Tarpon Avenue 6367, Fernandina Beach, FL 32034Listed by SERVICE REALTY, LLCJul 2026$490,000$4162/21,178140.3
382 S Fletcher Avenue 306, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$685,000$7232/29481141.2
1601 Nectarine Street F5, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCJun 2026$225,000$2302/29782702.2

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

Price$459,000
Price / Sq Ft$399
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,150
Year Built1983
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address925 Tarpon Avenue 21, Fernandina Beach, FL 32034
Area430-Nassau County Beaches-North
SubdivisionMetes & Bounds
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000031147000210000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCarport, Covered
ViewPool, Protected Preserve

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
# of Stories2

Additional Information

Date ListedFebruary 6, 2026
Days on Market130
HOA Fees$285 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 15, 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

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.

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