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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.

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Sold

Sold·Closed Jul 8, 2026·48 days on market·Recent sales in Amelia Island

515 Broome Street

Fernandina Beach, FL 32034

$400,000sold priceListed at $475,000 · 84.2% of asking$455/sqftMLS# 2135072
3
Beds
2
Baths
879
Sq Ft
1939
Built
—
Garage
No
Pool
No HOASingle Family Residence1 story

About this home

Fernandina Beach

Located in the heart of Fernandina Beach, 515 Broome Street presents a rare opportunity to create your dream home in one of Northeast Florida's most treasured coastal communities. Positioned on a 50x80 corner lot just two blocks from Centre Street, this property offers exceptional potential. Whether you envision renovating and restoring the existing structure through approved plans with the Historic District Council (HDC), or prefer to utilize the existing power, water, and sewer connections to design and build a custom residence, the possibilities are ready for your vision. Enjoy the unmatched lifestyle of Historic Downtown Fernandina Beach, where daytime strolls to the Intracoastal Waterway, evenings dining at local restaurants, and live music drifting through the streets can all become part of your everyday routine. Annual traditions such as Shrimp Festival, Dickens on Centre, and New Year's Eve celebrations are just moments from your doorstep, offering the charm of small-town.

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$2,216
Property taxesest. at asking price, Nassau County$552
Estimated total, before insurance$2,768/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $552
Insurance (est.): $267
Estimated Total Monthly
$3,035
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$332,781$332,781—
2024$292,878$18,513—
2023$251,318$17,246—
2022$241,233$16,016—
2021$193,912$14,821—
2020$164,175$14,271—

Estimated taxes if purchased at asking price: ~$6,600/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.

History

Price & status history

  • Jul 8, 2026Closed$475,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $486/sq ft; this home is listed at $540/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1009 Calhoun Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$340,000$4172/1816480.3
410 Cedar Street, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$720,000$7612/294630.5
232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$500,000$5482/2912600.6
508 Stanley Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$280,000$2802/11,00030.9
1324 Fir Street Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCAug 2026$427,000$4862/28781280.9
2121 Egret Lane, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC.Jun 2026$425,000$3863/21,10172

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$475,000
Price / Sq Ft$540
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage879
Year Built1939
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address515 Broome Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Dimensions50x80
Parcel Number000031180000320140

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available, Other
SewerPublic Sewer
Water SourcePublic
ParkingOn Street

Interior

AppliancesOther
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Exterior

Lot DescriptionHistoric Area

Additional Information

Date ListedApril 8, 2026
Days on Market48
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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 Jul 8, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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