Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·119 days on market

2109 Beachwood Road

Fernandina Beach, FL 32034

$450,000$372/sqftEst. $2,294/moMLS# 2139019

Beds

Baths

1,210

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

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

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $621

Insurance (est.): $300

Estimated Total Monthly

$3,216

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,294

Property taxesest. at asking price, Nassau County$621

HOAbilled annually$208

Estimated total, before insurance$3,124/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$7,500/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.

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.

History