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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 Mar 27, 2026·18 days on market·Recent sales in Amelia Island

882 Diane Drive

Fernandina Beach, FL 32034

$390,000sold priceListed at $385,000 · 101.3% of asking$299/sqftMLS# 2129401
3
Beds
2
Baths
1,304
Sq Ft
1979
Built
1
Garage
No
Pool
No HOA0.57 acresSingle Family Residence1 story

About this home

Fernandina Beach

ATTN: investors and Savvy buyers. Great investment opportunity. Situated on an oversized .57 acre lot in the heart of Fernandina Beach, this property offers a rare opportunity to own a spacious homesite surrounded by mature trees and natural privacy. With no HOA, you'll enjoy the freedom to expand, customize, or invest without restrictions. The expansive yard provides endless possibilities for outdoor living, gardens, or future enhancements. Priced to sell quickly, this is an exceptional value for buyers looking for space, flexibility, and a prime Fernandina location. Don't miss your chance to secure one of the area's larger lots! Home is in Good condition. Just needs a little TLC. 3 bedroom 2 bath split bedroom plan. So many possibilities

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$2,160
Property taxesest. at asking price, Nassau County$538
Estimated total, before insurance$2,699/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,193/yr · $99/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

$390,000
$78,000
Loan Term
Monthly Payment
$2,160
Principal & Interest: $2,160
Property taxes (est.): $538
Insurance (est.): $260
Estimated Total Monthly
$2,959
*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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,193/yr

Estimated taxes if purchased at asking price: ~$6,500/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 $418/sq ft; this home is listed at $295/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2816 Bob White Lane, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY MJul 2026$670,000$4193/21,600410
2753 Amelia Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYAug 2026$585,000$4182/21,400150.2
96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$575,000$3493/21,6491010.3
639 Gaines Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$625,000$5213/21,2002700.4
1812 Sterling Lane, Fernandina Beach, FL 32034Listed by CABANA LANE, INCMar 2026$508,000$3773/21,346880.4
552 Sunset Road, Fernandina Beach, FL 32034Listed by DIAMOND REALTY GROUP OF AMELIA ISLANDOct 2026$385,000$3023/21,275930.5

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$385,000
Price / Sq Ft$295
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,304
Acres0.57 acres
Year Built1979
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address882 Diane Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionAmelia Acres
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size24,829.2 sq ft
Parcel Number0000300050000E0090

Amenities

UtilitiesCable Connected, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Circular Driveway, Garage
ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Nook, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionWooded
FencingBack Yard, Wood
Road SurfaceAsphalt
Road FrontageCity Street, County Road

Additional Information

Date ListedMarch 31, 2026
Days on Market18
Tax Amount$1,192.63
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MCGUIRE REALTY GROUP

Sold by: WATSON REALTY CORP (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 Mar 27, 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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