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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 waterfront home in Nassau County.

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Sold

Sold·Closed Apr 14, 2026·20 days on market·Recent sales in Amelia Island

122 Ocean Ridge Drive

Fernandina Beach, FL 32034

$704,000sold priceListed at $750,000 · 93.9% of asking$502/sqftMLS# 2132117
3
Beds
2
Baths
1,401
Sq Ft
1986
Built
1
Garage
No
Pool
HOA $138/mo14,810 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fernandina Beach

Discover a birdwatcher's haven in the highly desirable Ocean Ridge community of Fernandina Beach on Amelia Island. This unique neighborhood, surrounded by lush tropical landscaping and mature trees, is just a short stroll from 13 miles of pristine, sandy beaches along the Atlantic Ocean. Enjoy access to a community pool and bike trails right at your doorstep, perfect for exploring the entire island. This FULLY FURNISHED spacious and meticulously maintained 3-bedroom home features an open living area with engineered hardwood flooring and an expansive custom applianced kitchen complemented by a 14x12 enclosed Florida room that overlooks a tranquil and private backyard fronting a beautiful pond area. Front lawn maintenance included by the HOA. The detached oversized garage offers ample space for all your beach gear, kayaks, surf boards, jet skis or golf cart for getting around the island. Don't miss out on this one.

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$3,899
Property taxesest. at asking price, Nassau County$972
HOAbilled annually$138
Estimated total, before insurance$5,009/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,630/yr · $802/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

$704,000
$140,800
Loan Term
Monthly Payment
$3,899
Principal & Interest: $3,899
Property taxes (est.): $972
Insurance (est.): $469
Estimated Total Monthly
$5,341
*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.

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 1986)

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

Solar potential: ~1,799 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

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

YearMarket valueTaxable valueChange
2025$603,849$497,963—
2024$543,288$452,694▲ $17,234
2023$498,184$411,540—
2022$426,997$374,127—
2021$360,216$340,115—
2020$320,694$309,195—

2025 property taxes (current owner): $9,630/yr

Estimated taxes if purchased at asking price: ~$11,700/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 $418/sq ft; this home is listed at $535/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3520 1st Avenue, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJun 2026$750,000$5333/2.51,406490.3
96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$575,000$3493/21,6491010.9
2816 Bob White Lane, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY MJul 2026$670,000$4193/21,600410.9
1604 Canterbury Rd Lane, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYJul 2025$530,000$3453/21,537771
2753 Amelia Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYAug 2026$585,000$4182/21,400151.1
2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$642,000$3643/2.51,76421.2

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$750,000
Price / Sq Ft$535
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,401
Acres0.34 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address122 Ocean Ridge Drive, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionOcean Ridge
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size14,810.4 sq ft
Lot Dimensions50x184x50x193
Parcel Number000031155R00100000
ZoningResidential

Amenities

AmenitiesPool
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

FencingOther
RoofShingle
ConstructionFrame

Additional Information

Date ListedMarch 28, 2026
Days on Market20
HOA Fees$1,653 / Annually
HOA FrequencyAnnually
Tax Amount$9,629.93
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 14, 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

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

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