This home is in Fernandina Beach.
Sold·Closed Aug 18, 2026·106 days on market·Recent sales in Amelia Island
4634 Whimbrel Lane
Fernandina Beach, FL 32034
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!
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 homeAs 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.
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: ~$8,800/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 (2025), NEFMLS.
History
Price & status history
- Aug 18, 2026Closed$540,000
- Jul 11, 2026Active Under Contract$540,000
- Mar 27, 2026Listed$540,000
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 $502/sq ft; this home is listed at $435/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3520 1st Avenue, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2026 | $750,000 | $533 | 3/2.5 | 1,406 | 49 | 1.6 |
| 122 Ocean Ridge Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Apr 2026 | $704,000 | $502 | 3/2 | 1,401 | 20 | 1.8 |
| 2816 Bob White Lane, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jul 2026 | $670,000 | $419 | 3/2 | 1,600 | 41 | 2.2 |
| 552 Sunset Road, Fernandina Beach, FL 32034Listed by DIAMOND REALTY GROUP OF AMELIA ISLAND | Oct 2026 | $385,000 | $302 | 3/2 | 1,275 | 93 | 2.3 |
| 2753 Amelia Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Aug 2026 | $585,000 | $418 | 2/2 | 1,400 | 15 | 2.3 |
| 639 Gaines Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $625,000 | $521 | 3/2 | 1,200 | 270 | 2.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 18, 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.
Northeast Florida living
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