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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 Beachwood Villas, Fernandina Beach — a gated community home on Amelia Island.

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Sold

Sold·Closed Sep 1, 2026·140 days on market·Recent sales in Beachwood Villas·Beachwood Villas

2109 Beachwood Road

Fernandina Beach, FL 32034

$390,000sold priceListed at $450,000 · 86.7% of asking$322/sqftMLS# 2139019
2
Beds
2
Baths
1,210
Sq Ft
1974
Built
—
Garage
No
Pool

3 more homes for sale in Beachwood Villas →Search Beachwood Villas on the map

FEMA Zone XHOA $208/mo19.12 acresCondominium1 story

About this home

Beachwood Villas

Meticulously reimagined from the studs up, this 2-bedroom Beachwood villa offers a ''new construction'' experience within the prestigious, gated Amelia Island Plantation. Whether you are seeking a sophisticated primary residence, a serene vacation home, or a lucrative short-term rental property, every detail has been expertly rebuilt with modern sophistication--featuring a brand-new HVAC system, custom cabinetry, and a chef's kitchen equipped with all-new appliances. The open-concept layout is flooded with natural light and offers the convenience of elevator access directly to your floor. Every bathroom has been transformed with high-end designer finishes, creating a turnkey retreat ready for immediate enjoyment. Owners and guests enjoy exclusive access to three private Beachwood pools, the scenic River-to-Sea Trail, and is directly across from a beach access which isperfect for exploring 13 miles of pristine beaches. The lifestyle is unparalleled, with the Village Shops just a short

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$2,160
Property taxesest. at asking price, Nassau County$538
HOAbilled annually$208
Estimated total, before insurance$2,907/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,643/yr · $554/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$390,000
$78,000
Loan Term
Monthly Payment
$2,160
Principal & Interest: $2,160
Property taxes (est.): $538
Insurance (est.): $260
Estimated Total Monthly
$2,959
*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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle, Tar/Gravel — year not disclosed (home built 1974)

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: ~1,509 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$487,000$355,923—
2024$482,000$323,566—
2023$468,000$294,151—
2022$370,000$267,410—
2021$255,000$243,100—
2020$221,000$221,000—

2025 property taxes (current owner): $6,643/yr

Estimated taxes if purchased at asking price: ~$6,500/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

  • Sep 1, 2026Closed$450,000
  • Aug 12, 2026Pending$450,000
  • Apr 8, 2026Listed$450,000

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 $497/sq ft; this home is listed at $372/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
318 Sandcastles Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$665,000$6071/11,096100.1
223 Sandcastles Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$589,500$6831/1863130.2
2206 Boxwood Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2026$772,500$4972/21,55560.2
2322 /2324 Boxwood Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$480,000$3292/21,460640.3
2341 Boxwood Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$550,000$3772/21,4601140.3
3327 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPSep 2026$550,000$3932/21,4006890.5

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$450,000
Price / Sq Ft$372
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,210
Acres19.12 acres
Year Built1974
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address2109 Beachwood Road, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionBeachwood Villas
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size832,867.2 sq ft
Parcel Number016N29V16021090000

Amenities

AmenitiesPool, Beach Access, Clubhouse, Elevator(s), Maintenance Grounds, Management - Full Time, Playground
Community FeaturesGated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewTrees/Woods

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
SecurityGated with Guard

Exterior

Exterior FeaturesBalcony
RoofShingle, Tar/Gravel
ConstructionBlock, Stucco
Road FrontagePrivate Road

Additional Information

Date ListedApril 8, 2026
Days on Market140
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
HOA Fee IncludesInsurance, Maintenance Grounds, Sewer, Trash, Water
Tax Amount$6,643.49
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

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.

The neighborhood

About Beachwood Villas

Beachwood Villas is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Beachwood Villas homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 1, 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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