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This home is in Ocean Cay, Fernandina Beach.

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Active

Active·161 days on market·Ocean Cay

2625 Georgia Avenue

Fernandina Beach, FL 32034

$789,900$307/sqftEst. $4,061/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

$789,900

Down Payment: 20%

$157,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,061

Principal & Interest: $4,061

Property taxes (est.): $1,091

Insurance (est.): $527

Estimated Total Monthly

$5,678

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$4,061

Property taxesest. at asking price, Nassau County$1,090

HOAbilled annually$35

Estimated total, before insurance$5,187/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,511/yr · $376/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).

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: ~$13,100/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

As 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

Jul 26, 2026Price change$789,900−$9,000
Jul 26, 2026Price change$798,900−$1,000
Mar 20, 2026Listed$799,900

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

Features

Price$789,900

Price / Sq Ft$307

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