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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 Apr 10, 2026·14 days on market·Recent sales in Amelia Island

828 Simmons Road

Fernandina Beach, FL 32034

$765,000sold priceListed at $775,000 · 98.7% of asking$359/sqftMLS# 2130541
3
Beds
2
Baths
2,128
Sq Ft
2016
Built
2
Garage
No
Pool
HOA $26/moSingle Family Residence1 story

About this home

Fernandina Beach

Embrace the quintessential island lifestyle in this robust concrete block home, perfectly situated on an expansive .34-acre lot. Your daily coastal escape begins at the end of the pavered driveway, where a dedicated path leads you directly to the sand and surf. The interior is designed for modern flexibility, featuring a dedicated office/bonus room an oversized two-car garage with abundant storage for bikes, boards, and beach gear, plus a refrigerator for added convenience. Step through the collapsible glass doors to a massive screened and pavered lanai--complete with gas stub for outdoor kitchen or grille--overlooking a fully fenced backyard that is ready for pets, play, or your future private pool. Finished with an outdoor shower for post-beach rinsing, this property offers the perfect blend of durable construction and luxury outdoor living. Designated artesian well for irrigation system.

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$4,237
Property taxesest. at asking price, Nassau County$1,056
HOAbilled annually$26
Estimated total, before insurance$5,320/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

$765,000
$153,000
Loan Term
Monthly Payment
$4,237
Principal & Interest: $4,237
Property taxes (est.): $1,056
Insurance (est.): $510
Estimated Total Monthly
$5,803
*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.

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 $378/sq ft; this home is listed at $364/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2816 Bob White Lane, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY MJul 2026$670,000$4193/21,600410.3
2971 Ferdinand Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$985,000$3784/32,60600.3
536 Spanish Way W, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$739,000$3503/22,111210.5
1908 Springbrook Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTMay 2026$1,045,000$4823/2.52,1683070.5
96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$575,000$3493/21,6491010.6
3110 Egans Bluff Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$645,000$2493/22,590390.6

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$775,000
Price / Sq Ft$364
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,128
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address828 Simmons Road, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionPlantation Hammock
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000030044C00040000

Amenities

UtilitiesSewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesKitchen Island
AppliancesDishwasher, Dryer, Gas Cooktop, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Exterior

Patio / PorchRear Porch, Screened

Additional Information

Date ListedFebruary 17, 2026
Days on Market14
HOA Fees$315 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: CENTURY 21 MILLER ELITE LLC (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 Apr 10, 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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