This home is in Fernandina Beach.
Pending·146 days on market
1324 Fir Street Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Why wait to build when you can own this stunning, TURNKEY Amelia Island home? Built in 2021 and located in the highly sought-after Hickory Ridge community, this beautifully designed home offers modern finishes, low-maintenance living, and an UNBEATABLE LOCATION. Inside, you'll find an open-concept floor plan with 9-FOOT CEILINGS, abundant natural light, and a beautiful kitchen featuring an OVERSIZED GRANITE ISLAND and STAINLESS STEEL APPLIANCES. Both bedrooms include WALK-IN CLOSETS, while upgrades like a TANKLESS WATER HEATER and PAVER DRIVEWAY add style and convenience. Just minutes from the beach, Egan's Greenway, Historic Downtown Fernandina Beach, world-class golf, pickleball, and Fort Clinch State Park, you'll enjoy the very best of Amelia Island living. Park the car and hop on your golf cart to restaurants, boutique shopping, and waterfront sunsets. Newer island homes in this location are hard to find. Schedule your private showing before it's gone!
Cost to own
Mortgage calculator
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $357,555 | $306,833 | — |
| 2024 | $347,715 | $297,715 | — |
| 2023 | $288,988 | $259,773 | — |
| 2022 | $236,157 | $236,157 | — |
| 2021 | $63,800 | $63,800 | — |
| 2020 | $58,000 | $58,000 | — |
Estimated taxes if purchased at asking price: ~$7,200/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 — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,284 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, 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.
History
Price & status history
- Jul 10, 2026Pending$435,000
- Mar 4, 2026Listed$435,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PINEYWOODS REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines