This home is in Fernandina Beach — a gated community home on Amelia Island.
Sold·Closed Jun 24, 2026·80 days on market·Recent sales in Amelia Island
1981 Amelia Oaks Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Two blocks from the ocean in a gated community on Amelia Island with private access to Egan's Creek Greenway, this coastal home offers the rare combination of location, space, and lifestyle. Walk or bike to the beach, explore nearby restaurants and shops, or grab ice cream on your way home. Designed for everyday living, the main areas feel open yet grounded with soaring ceilings, wood-look tile flooring, and plantation shutters that fill the space with natural light. The kitchen anchors the home with granite countertops, stainless gas appliances, under-cabinet lighting, custom pantry, and an expansive island that flows into the great room, ideal for cozy evenings or entertaining. French doors open to a covered patio with peaceful pond views and an expanded patio perfect for al fresco dining, plus a fenced backyard designed for low-maintenance enjoyment. The main-level primary suite offers privacy and convenience with a custom walk-in closet and spa-inspired bath featuring
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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 (that applies to the reference bill above too).
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: Metal — year not disclosed (home built 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,803 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 | $926,981 | $708,439 | — |
| 2024 | $843,401 | $687,766 | — |
| 2023 | $716,278 | $666,278 | — |
| 2022 | $616,118 | $532,158 | — |
| 2021 | $551,550 | $483,780 | — |
| 2020 | $439,800 | $439,800 | — |
2024 property taxes (current owner): $12,749/yr
Estimated taxes if purchased at asking price: ~$15,600/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 $436/sq ft; this home is listed at $396/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $642,000 | $364 | 3/2.5 | 1,764 | 2 | 0.2 |
| 1505 Lakeside Court, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $830,000 | $436 | 3/2.5 | 1,902 | 143 | 0.6 |
| 1567 Olmsted Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $835,000 | $378 | 3/2.5 | 2,209 | 35 | 0.6 |
| 1512 Coastal Oaks Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $970,000 | $485 | 3/2.5 | 1,999 | 51 | 0.7 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 0.7 |
| 1012 Ocean Oaks Drive S, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $1,425,000 | $540 | 4/3 | 2,640 | 16 | 0.9 |
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: SUMMER HOUSE REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 24, 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
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