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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Fernandina Beach — a gated community home on Amelia Island.

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Sold

Sold·Closed Apr 24, 2026·26 days on market·Recent sales in Amelia Island

1351 Mission San Carlos Drive

Fernandina Beach, FL 32034

$650,000sold priceListed at $749,000 · 86.8% of asking$324/sqftMLS# 2135001
3
Beds
2
Baths
2,009
Sq Ft
1996
Built
2
Garage
No
Pool
HOA $83/mo10,890 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Located in the gated community of Plantation Point on Amelia Island's sought-after south end, this single-level home offers 2,009 sq. ft., 3 bedrooms, 2 baths, a dedicated office, and a split floor plan. Interior features include 10' ceilings, Plantation shutters, a wood-burning fireplace, and open, inviting living spaces filled with natural light. The primary suite opens to the screened porch and includes a large walk-in closet, dual vanities, and a walk-in shower. The guest bath features a rain-head shower. Overlooking lush greenery, the screened back porch is perfect for morning coffee, quiet evenings, or casual entertaining. Additional highlights include a 2-car garage, paver driveway, sprinkler system, water softener, and Bosch dishwasher. Minutes from the beach, golf, dining, and shopping, this home offers the space, layout, and south-end location that make Amelia Island living so appealing. Schedule your private showing today.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,600
Property taxesest. at asking price, Nassau County$897
HOAbilled annually$83
Estimated total, before insurance$4,581/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,465/yr · $955/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, 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

$650,000
$130,000
Loan Term
Monthly Payment
$3,600
Principal & Interest: $3,600
Property taxes (est.): $897
Insurance (est.): $433
Estimated Total Monthly
$4,931
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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: Shingle — year not disclosed (home built 1996)

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

Solar potential: ~1,709 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,465/yr

Estimated taxes if purchased at asking price: ~$10,800/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, 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 $427/sq ft; this home is listed at $373/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4 Moss Oaks Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTFeb 2026$1,350,000$6123/22,205100.2
1395 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2025$950,000$4274/32,227240.2
5383 Florence Point Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYOct 2026$1,098,000$5983/21,83520.4
96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLCJun 2026$760,000$3603/32,1132040.8
96067 Enclave Manor, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2025$985,000$3803/3.52,589150.8
96183 Sylvester Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2025$800,000$3664/3.52,187550.9

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

Price$749,000
Price / Sq Ft$373
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,009
Total Structure Area2,009 sq ft
Acres0.25 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1351 Mission San Carlos Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionPlantation Point
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,890 sq ft
Parcel Number000030051800270000
ZoningResidential

Amenities

AmenitiesGated
Community FeaturesGated
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
SecuritySecurity Gate

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedMarch 14, 2026
Days on Market26
HOA Fees$1,000 / Annually
HOA FrequencyAnnually
Tax Amount$11,465.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Sold by: ONE SOTHEBY'S INTERNATIONAL REALTY (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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