This home is in Fernandina Beach.

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Active

Active·155 days on market

822 S Fletcher Avenue

Fernandina Beach, FL 32034

$3,300,000$1160/sqftEst. $17,564/moMLS# 2129415

Beds

Baths

2,846

Sq Ft

2008

Built

Garage

Pool

About this home

Fernandina Beach

Impeccably maintained, this OCEANFRONT MASTERPIECE boasts 75 FEET OF DIRECT OCEAN FRONTAGE and a GENEROUSLY SIZED LAYOUT WITH BEDROOMS THAT SLEEPS 10+. Built with a CEMENT BLOCK, HARDYBOARD EXTERIOR and NEWER HVACs & GALVANIZED METAL ROOF, it boasts both a majestic presence and incredible durability against the elements. No long boardwalks, no hauling beach gear, this is true oceanfront living. Unlike many oceanfront areas further down the road, THIS HOME IS POSITIONED ON A NON-DRIVABLE SECTION OF BEACH, OFFERING UNINTERRUPTED VIEWS, NATURAL DUNES, AND A FAR MORE PRIVATE COASTAL EXPERIENCE. Spanning a well-designed layout, IT MAXIMIZES OCEAN VIEWS AT EVERY LEVEL effortlessly connecting all living space by a PRIVATE ELEVATOR for convenient access. The top floor main living area is designed for relaxed coastal living, with a WALL OF FLOOR-TO-CEILING GLASS DOORS THAT FRAME JAW-DROPPING OCEAN VIEWS AND OPEN ONTO A SPRAWLING DECK, perfect for sunrises and stargazing.

Cost to own

Mortgage calculator

Home Price

$3,300,000

Down Payment: 20%

$660,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$16,669

Principal & Interest: $16,669

Est. Taxes & Insurance: $4,167

Estimated Total Monthly

$20,837

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$17,564

Property taxesest. at asking price, Nassau County$4,556

Estimated total, before insurance$22,120/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: $2,350,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$2,057,266	$2,057,266	—
2024	$1,842,552	$1,475,704	—
2023	$1,704,191	$1,341,549	—
2022	$1,723,268	$1,219,590	—
2021	$1,277,232	$1,108,718	—
2020	$1,007,925	$1,007,925	—

2024 property taxes (current owner): $29,336/yr

Estimated taxes if purchased at asking price: ~$54,700/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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: Metal, Other — year not disclosed (home built 2008)

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: ~1,758 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History