This home is in Fernandina Beach.

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Active Under Contract

Active Under Contract·109 days on market

4634 Whimbrel Lane

Fernandina Beach, FL 32034

$540,000$435/sqftEst. $2,874/moMLS# 2137169

Beds

Baths

1,242

Sq Ft

1972

Built

—

Garage

Pool

About this home

Fernandina Beach

Back on the market! Buyers got cold feet. Airbnb allowed area!! Located on Amelia Island just 5 minutes from The Ritz-Carlton, and the beach, this beautifully refreshed 4 bedroom, 2 bath home showcases new interior paint and updated flooring throughout, along with a newer AC system and roof, and sleek stainless steel appliances. Set on an expansive 0.46-acre lot with no HOA, the property offers exceptional flexibility with plenty of space to park your RV, boat, or additional toys. A rare feature, the home provides dual access from both Whimbrel Ln and directly from S Fletcher Ave, adding convenience and versatility. One of the least expensive homes in the area an incredible opportunity that won't last long!

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Est. Taxes & Insurance: $682

Estimated Total Monthly

$3,410

*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$2,874

Property taxesest. at asking price, Nassau County$745

Estimated total, before insurance$3,620/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	$315,113	$0	—
2024	$309,256	$0	—
2023	$303,624	$0	—
2022	$290,051	$0	—
2021	$226,537	$0	—
2020	$185,086	$0	—

2025 property taxes (current owner): $419/yr

Estimated taxes if purchased at asking price: ~$8,900/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1972)

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

Septic system (public record) · Private well (public record)

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: ~1,367 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