This home is in Ocean Cay, Fernandina Beach.

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Active

Active·117 days on market·Ocean Cay

2625 Georgia Avenue

Fernandina Beach, FL 32034

$799,900$310/sqftEst. $4,257/moMLS# 2135911

Beds

Baths

2,577

Sq Ft

2001

Built

Garage

Pool

About this home

Ocean Cay

Discover this charming home located in the heart of Fernandina Beach. This property boasts spacious living areas filled with natural light, offering a warm and inviting atmosphere. The Beautiful, open kitchen, big living room/dinning room, huge master and two other bedrooms with full baths. There is also a den between the 2 first floor bedrooms that open to the living room with French doors. Enjoy outdoor living with a screened in back porch and a very private patio/backyard appropriate for entertaining or relaxation. Conveniently situated near local amenities and the beautiful beaches of Fernandina. There is an empty lot to the right which is owned by the HOA that can never be built on. Walking distance to the beach and in a beautiful neighborhood. It is a wonderful place to call home! The house is empty and ready to move in.

Cost to own

Mortgage calculator

Home Price

$799,900

Down Payment: 20%

$159,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,041

Principal & Interest: $4,041

Est. Taxes & Insurance: $1,010

Estimated Total Monthly

$5,051

*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$4,257

Property taxesest. at asking price, Nassau County$1,104

HOAbilled annually$35

Estimated total, before insurance$5,397/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	$612,306	$251,892	—
2024	$536,001	$244,086	—
2023	$520,218	$235,520	—
2022	$525,531	$227,204	—
2021	$391,395	$219,130	—
2020	$369,500	$215,414	—

2025 property taxes (current owner): $4,511/yr

Estimated taxes if purchased at asking price: ~$13,300/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2001)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,451 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 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

Price & status history

Mar 20, 2026Listed$799,900

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

Features

Price$799,900

Price / Sq Ft$310

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,577

Acres0.13 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2625 Georgia Avenue, Fernandina Beach, FL 32034

Area430-Nassau County Beaches-North

SubdivisionOcean Cay

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size5,662.8 sq ft

Parcel Number000031152C00130000

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Microwave

HeatingElectric

CoolingCentral Air

# of Stories2