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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 Mar 16, 2026·10 days on market·Recent sales in Amelia Island

2027-A Natures Lane W

Fernandina Beach, FL 32034

$459,000sold priceListed at $485,000 · 94.6% of asking$275/sqftMLS# 2129999
3
Beds
2.5
Baths
1,672
Sq Ft
1990
Built
2
Garage
No
Pool
HOA $13/mo3,920 sqft lotSingle Family Residence2 stories

About this home

Fernandina Beach

Nestled in the quiet, tree-canopied Nature's Walk neighborhood, this charming townhome offers the ideal Amelia Island lifestyle. Less than one mile from pristine beaches and scenic nature trails. Enjoy peaceful walks to Egan's Creek Greenway or stroll to the ocean whenever the mood strikes. Inside, you'll find a thoughtfully designed floor plan featuring 3 bedrooms plus a dedicated office. The owner's suite is conveniently located downstairs, while two additional bedrooms and an office are upstairs... perfect for guests, work-from-home, or flex space. The updated kitchen and bathrooms add a fresh, modern touch. A closed-in Florida room adds valuable extra living space, perfect for a sunroom, reading retreat, or bonus lounge area. Step outside to an easy-to-maintain private backyard with a privacy fence and lovely landscaping, ideal for relaxing or entertaining. Just minutes away, the historic district awaits with its charming boutiques and popular restaurants. With a very low HOA fee

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$2,542
Property taxesest. at asking price, Nassau County$634
HOAbilled annually$13
Estimated total, before insurance$3,189/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,945/yr · $245/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

$459,000
$91,800
Loan Term
Monthly Payment
$2,542
Principal & Interest: $2,542
Property taxes (est.): $634
Insurance (est.): $306
Estimated Total Monthly
$3,482
*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 1990)

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

Solar potential: ~1,381 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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): $2,945/yr

Estimated taxes if purchased at asking price: ~$7,600/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 $329/sq ft; this home is listed at $290/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1120 Natures Walk Drive A, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENTJun 2026$419,000$3292/21,274120.1
1833 Indigo Street, Fernandina Beach, FL 32034Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYMay 2026$475,000$3293/21,442650.2
1602 Indigo Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPApr 2026$565,000$3193/21,770890.3
1624 Indigo Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYApr 2026$670,000$3604/21,86130.3
1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$2432/21,808140.4
1512 Coastal Oaks Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$970,000$4853/2.51,999510.6

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$485,000
Price / Sq Ft$290
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,672
Acres0.09 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address2027-A Natures Lane W, Fernandina Beach, FL 32034
Area440-Fernandina Beach Downtown-South
SubdivisionNatures Walk
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size3,920.4 sq ft
Parcel Number000031147L041A0000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesPantry, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air, Other
FlooringCarpet, Laminate
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Patio / PorchGlass Enclosed
FencingBack Yard, Wood
RoofShingle
ConstructionWood Siding
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 13, 2026
Days on Market10
HOA Fees$160 / Annually
HOA FrequencyAnnually
HOA NameNature's Walk HOA
Tax Amount$2,945.02
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

Sold by: SUMMER HOUSE 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 Mar 16, 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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