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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 — a home near Fernandina Beach High School.

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Sold

Sold·Closed Apr 20, 2026·9 days on market·Recent sales in Amelia Island

728 9th Street A&B

Fernandina Beach, FL 32034

$220,000sold priceListed at $250,000 · 88% of asking$172/sqftMLS# 2129363
4
Beds
2
Baths
1,276
Sq Ft
1937
Built
—
Garage
No
Pool
No HOA7,841 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Back on the market at NO fault of the seller. Unlock the potential of this rare duplex on Amelia Island, just a short bike ride to the beaches, charming downtown, dining, and shopping. This property offers two separate 2-bedroom, 1-bath units, making it an ideal opportunity for investors, renovators, or buyers looking to create their own island retreat with income potential. Yes--it needs work--but that's where the magic begins. This is your chance to reimagine and restore a property in one of Florida's most sought-after coastal communities. Whether you're envisioning a long-term income property, or a live-in-one, rent-the-other setup, the possibilities here are wide open. With Amelia Island's strong rental demand and laid-back beach lifestyle, this fixer-upper is perfectly positioned to become something special.

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$1,219
Property taxesest. at asking price, Nassau County$304
Estimated total, before insurance$1,522/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,441/yr · $287/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$220,000
$44,000
Loan Term
Monthly Payment
$1,219
Principal & Interest: $1,219
Property taxes (est.): $304
Insurance (est.): $147
Estimated Total Monthly
$1,669
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1937)

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

Solar potential: ~1,769 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,441/yr

Estimated taxes if purchased at asking price: ~$3,600/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, NEFMLS.

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 $351/sq ft; this home is listed at $196/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
710 S 7th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCMay 2026$450,000$3243/2.51,39100.1
619 S 10th Street, Fernandina Beach, FL 32034Listed by MILITARY REALTY OF FLORIDAMar 2026$422,500$2824/31,500560.1
831 Division Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLCMay 2026$420,000$3513/21,19560.2
1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$449,990$4213/21,06850.3
410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$410,000$3153/21,30380.3
410 Cedar Street, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$720,000$7612/294630.5

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$250,000
Price / Sq Ft$196
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,276
Acres0.18 acres
Year Built1937
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address728 9th Street A&B, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size7,840.8 sq ft
Lot Dimensions100x75
Parcel Number000031180001550120

Amenities

UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingShared Driveway

Interior

AppliancesElectric Range
CoolingOther
FlooringWood
# of Stories1
LevelsOne

Exterior

Patio / PorchScreened
RoofShingle
ConstructionFrame
Other StructuresOther
Road SurfaceAsphalt

Additional Information

Date ListedMarch 11, 2026
Days on Market9
Tax Amount$3,440.63
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Sold by: FERNANDINA BEACH REALTY (buyer's brokerage)

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 Apr 20, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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