This home is in Fernandina Beach.

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Active

Active·133 days on market

703 Bonnieview Road

Fernandina Beach, FL 32034

$559,000$294/sqftEst. $2,975/moMLS# 2133020

Beds

Baths

1,902

Sq Ft

1975

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Completely remodeled coastal retreat on beautiful Amelia Island! This 3-bedroom, 2-bath home was extensively renovated in 2020, offering updated finishes and modern systems throughout for peace of mind and effortless living. Step outside to your private fully fenced backyard oasis featuring a heated and cooled saltwater pool, perfect for year-round enjoyment. Whether you're relaxing after a day at the beach or entertaining guests, this outdoor space is designed for both comfort and convenience. Inside also offers a enclosed Florida room. Located outside city limits, this property offers added flexibility and short-term rental potential (buyer to verify county regulations), making it an excellent option for a primary residence, second home, or investment opportunity. Enjoy island living just minutes from beaches, dining, and shopping, all while benefiting from county-only taxes. Schedule your private showing today and experience the best of coastal Florida living

Cost to own

Mortgage calculator

Home Price

$559,000

Down Payment: 20%

$111,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,824

Principal & Interest: $2,824

Est. Taxes & Insurance: $706

Estimated Total Monthly

$3,530

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,975

Property taxesest. at asking price, Nassau County$772

Estimated total, before insurance$3,747/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$397,138	$266,073	—
2024	$387,777	$257,867	—
2023	$368,976	$248,900	—
2022	$329,011	$201,845	—
2021	$244,510	$194,510	—
2020	$117,952	$117,952	—

2025 property taxes (current owner): $4,296/yr

Estimated taxes if purchased at asking price: ~$9,300/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Metal — year not disclosed (home built 1975)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,822 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History