This home is in Fernandina Beach.
Active·176 days on market
1102 Ladies Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
In the heart of historic Old Town, 1102 Ladies Street is a custom Amelia Island home where timeless character meets exceptional quality. Designed by Eric Moser and built by Jim Cartwright in 2019, this crafted home sits on a double lot, with design, comfort, and integrity rarely found here. Built for lasting quality, it features a standing-seam metal roof, Hardie Artisan siding, Allegheny mahogany doors inside and out, longleaf yellow pine floors, conventional framing, and a stainless-steel hardware package. Off-street driveway parking adds rare convenience and value. Inside, the open living, dining, and kitchen areas create an inviting setting for daily living and entertaining. The kitchen features a BlueStar gas range, and a wood-burning fireplace warms the dining room. The fully fenced backyard offers privacy near Egan's Creek, with an undeveloped parcel next door, a hot-water outdoor shower, double porches, room for a pool, and relaxed island living. Schedule your showing today.
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 | $760,226 | $706,016 | — |
| 2024 | $715,081 | $641,833 | — |
| 2023 | $657,495 | $583,485 | — |
| 2022 | $576,116 | $530,441 | — |
| 2021 | $486,081 | $482,219 | — |
| 2020 | $463,918 | $438,381 | — |
Estimated taxes if purchased at asking price: ~$26,900/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,684 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 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
- Aug 28, 2026Price change$1,624,000−$50,900
- Mar 6, 2026Listed$1,674,900
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: AMELIA ISLAND REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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