Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·169 days on market

2004 Beach Wood Road

Fernandina Beach, FL 32034

$834,000$493/sqftEst. $4,252/moMLS# 2130540

Beds

Baths

1,690

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

Enjoy a lifestyle of relaxation and recreation in this 3BR 3.5BA Beachwood Villa located within the gates of the Amelia Island Plantation. Fully furnished and move-in ready, this end unit villa makes a great vacation home, rental property, or full-time residence. The main level features an open living and dining area, a kitchen with plenty of storage and counter space, a laundry/utility room, and a half bath. Step outside to the large private patio, nestled beneath a canopy of mature live oaks, the perfect setting for outdoor dining or quiet relaxation. Upstairs you will find three spacious bedrooms, each with its own ensuite, offering privacy and comfort for all. Ideally located across the street from the Omni Hotel. It is a short stroll to the pristine beach and sparkling Atlantic Ocean, Surrounded by Amelias renowned natural beauty, this Pet-friendly villa offers easy access to the community pool, restaurants, shops, spa, and more. This villa is currently part Omni Rental Program

Cost to own

Mortgage calculator

Home Price

$834,000

Down Payment: 20%

$166,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,252

Principal & Interest: $4,252

Property taxes (est.): $1,151

Insurance (est.): $556

Estimated Total Monthly

$5,960

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$4,252

Property taxesest. at asking price, Nassau County$1,151

HOAbilled annually$208

Estimated total, before insurance$5,612/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$701,025	$533,170	—
2024	$661,050	$484,700	—
2023	$585,000	$440,636	—
2022	$516,750	$400,578	—
2021	$414,375	$364,162	—
2020	$351,500	$331,056	—

Estimated taxes if purchased at asking price: ~$13,800/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: material not specified — year not disclosed (home built 1974)

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: ~1,509 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

As of July 2026, 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.

History