This home is in Fernandina Beach.

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Active

Active·131 days on market

1102 Ladies Street

Fernandina Beach, FL 32034

$1,674,900$710/sqftEst. $8,915/moMLS# 2133517

Beds

Baths

2,360

Sq Ft

2019

Built

—

Garage

Pool

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

Home Price

$1,674,900

Down Payment: 20%

$334,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$8,460

Principal & Interest: $8,460

Est. Taxes & Insurance: $2,115

Estimated Total Monthly

$10,575

*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$8,915

Property taxesest. at asking price, Nassau County$2,312

Estimated total, before insurance$11,227/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	$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: ~$27,700/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.

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: material not specified — year not disclosed (home built 2019)

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

Likely septic

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: ~1,684 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 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