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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 20, 2026·34 days on market·Recent sales in Amelia Island

2330 Pirates Bay Drive

Fernandina Beach, FL 32034

$660,000sold priceListed at $669,000 · 98.7% of asking$453/sqftMLS# 2129971
3
Beds
2
Baths
1,458
Sq Ft
1991
Built
2
Garage
No
Pool
No HOA15,246 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

completely remodeled home in Fernandina Beach Florida. Less than a quarter mile from the beach close to all shopping, restaurants, hospitals and schools. Three bedrooms and two full bathrooms just under 1500 ft.² new windows, new doors, new kitchen cabinets, new bathrooms, painted inside and out, new deck, new roof, new front door, new toilets, new flooring. Fantastic neighborhood no HOA fees low maintenance Yard move in ready.

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$3,656
Property taxesest. at asking price, Nassau County$911
Estimated total, before insurance$4,567/mo
Seller’s 2026 tax billper the MLS — includes any CDD / assessments$7,548/yr · $629/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

$660,000
$132,000
Loan Term
Monthly Payment
$3,656
Principal & Interest: $3,656
Property taxes (est.): $911
Insurance (est.): $440
Estimated Total Monthly
$5,007
*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

2026 property taxes (current owner): $7,548/yr

Estimated taxes if purchased at asking price: ~$10,900/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 $364/sq ft; this home is listed at $459/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$642,000$3643/2.51,76420.2
2107 Whitfield Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJan 2026$520,000$3603/21,445280.3
1709 Crescent Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYMar 2026$530,000$4003/21,32440.4
1506 Coventry Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSMay 2026$610,000$3543/21,72230.5
1812 Sterling Lane, Fernandina Beach, FL 32034Listed by CABANA LANE, INCMar 2026$508,000$3773/21,346880.6
96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$575,000$3493/21,6491010.7

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$669,000
Price / Sq Ft$459
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,458
Acres0.35 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2330 Pirates Bay Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionPirates Bay
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size15,246 sq ft
Parcel Number000031164B00100000

Amenities

UtilitiesCable Available, Electricity Available, Natural Gas Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, On Street, Varies by Unit

Interior

AppliancesDisposal, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
# of Stories1

Exterior

Exterior FeaturesOther

Additional Information

Date ListedFebruary 13, 2026
Days on Market34
Tax Amount$7,547.84
Tax Year2026
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEYCOME OF FLORIDA LLC

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 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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