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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 gated community home on Amelia Island.

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Sold

Sold·Closed Jun 17, 2026·89 days on market·Recent sales in Amelia Island

3328 Sea Marsh Road

Fernandina Beach, FL 32034

$540,000sold priceListed at $569,000 · 94.9% of asking$372/sqftMLS# 2130534
2
Beds
2
Baths
1,450
Sq Ft
1974
Built
—
Garage
No
Pool
HOA $208/moCondominium1 story

About this home

Fernandina Beach

This updated 2-bedroom, 2-bath villa offers peaceful views of the beautifully re-imagined Oak Marsh Golf Course and effortless island living just minutes from the beach and resort amenities. The open floor plan features a sun-filled living area and an open kitchen with crisp white cabinets, granite countertops, and plenty of room to gather. The spacious primary suite includes an en-suite bath and ample closet space, while the guest bedroom and second full bath provide ideal accommodations. A flexible sunroom/den opens to a private patio, perfect for relaxing after a day on the course or at the beach. Enjoy two sparkling community pools, in-unit laundry, and tasteful upgrades throughout. With short-term rentals allowed, this property is an excellent investment opportunity, vacation retreat, or full-time home.

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$2,991
Property taxesest. at asking price, Nassau County$745
HOAbilled annually$208
Estimated total, before insurance$3,945/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$540,000
$108,000
Loan Term
Monthly Payment
$2,991
Principal & Interest: $2,991
Property taxes (est.): $746
Insurance (est.): $360
Estimated Total Monthly
$4,097
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$552,000$379,114—
2024$497,000$344,649▼ $5,000
2023$459,000$313,317—
2022$425,000$284,834—
2021$285,000$258,940—
2020$255,000$235,400—

Estimated taxes if purchased at asking price: ~$8,900/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 (2025), 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 $393/sq ft; this home is listed at $392/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3327 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPSep 2026$550,000$3932/21,4006890
3318 Sea Marsh Road, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$565,000$4522/21,250940
3323 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPAug 2026$565,000$3532/21,600110
3211 Sea Marsh Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$565,000$4522/21,250180.1
2322 /2324 Boxwood Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$480,000$3292/21,460640.2
2341 Boxwood Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$550,000$3772/21,4601140.2

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$569,000
Price / Sq Ft$392
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,450
Year Built1974
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address3328 Sea Marsh Road, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionFair Way Oaks
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number016N29V10033280000

Amenities

AmenitiesGated, Security
UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
# of Stories1
Security24 Hour Security, Gated with Guard, Security Gate

Additional Information

Date ListedFebruary 17, 2026
Days on Market89
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSewer, Trash, Water
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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 Jun 17, 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.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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