This home is in Fernandina Beach.
Pending·233 days on market
1521 Amelia Circle
Fernandina Beach, FL 32034
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Centrally located with a desirable elevation and just 1 ½ miles from the Atlantic Ocean and downtown Historic Fernandina Beach, this upgraded and enhanced home features granite countertops, Bosch and Energy Star appliances, and Krono laminate flooring in all four bedrooms. The updated lighting, ceiling fans, and premium hardware throughout add to the home's appeal. The bathrooms offer tile and marble finishes, Kohler fixtures, WaterSense toilets, and an accessible walk-in shower. Exterior highlights include a newer roof (2021), a screened porch with deck, an irrigation system, an insulated garage door, a 50-gallon water heater (2025), and much more to ensure your comfort and lasting home value. Built by Coppenbarger Homes. See the attached copy of the list of Improvements/Upgrades.
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,702 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $577,201 | $277,324 | — |
| 2024 | $560,815 | $268,801 | — |
| 2023 | $546,201 | $259,516 | — |
| 2022 | $465,237 | $250,501 | — |
| 2021 | $368,801 | $241,749 | — |
| 2020 | $317,621 | $237,721 | — |
Estimated taxes if purchased at asking price: ~$12,600/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 (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 $397/sq ft; this home is listed at $383/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 0.2 |
| 1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $725,000 | $422 | 3/2 | 1,718 | 89 | 0.3 |
| 1606 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $1,190,000 | $467 | 3/3 | 2,547 | 3 | 0.5 |
| 226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $755,000 | $372 | 4/3 | 2,032 | 2 | 0.8 |
| 1015 Someruelus Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLC | Nov 2025 | $900,000 | $381 | 4/3.5 | 2,363 | 116 | 0.9 |
| 212 S 6th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2026 | $1,000,000 | $397 | 3/2 | 2,516 | 51 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
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.
Keep looking
More homes in Highlands
For Sale2614 Leonid RoadJacksonville, FL 32218
4 bd · 2 ba · 1,322 sq ft
$280,000Est. $1,490/moCompletely renovated and move-in ready, this beautifully updated home offers the perfect blend of modern style and…
Listing Office: iron valley real estate north florida
For Sale10552 Villanova RoadJacksonville, FL 32218
3 bd · 1.5 ba · 1,176 sq ft
$265,000Est. $1,410/moPRICE REDUCED! This charming POOL home,move in ready in Jacksonville's Northside offers the perfect blend of comfort,…
Listing Office: era oneteam realty
Pending10342 Briarcliff Road EJacksonville, FL 32218
3 bd · 2 ba · 1,766 sq ft
$254,000Est. $1,352/moCome explore this concrete block, single-family home with a fenced rear yard within the Highlands area. This home…
Listing Office: core realty, llc
For Sale10521 Briarcliff Road EJacksonville, FL 32218
3 bd · 2 ba · 864 sq ft
$230,000Est. $1,224/moFully remodeled and move-in ready! This home has been extensively updated from top to bottom, including updated…
Listing Office: eagles world realty, inc
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines