This home is in Fernandina Beach — a home near Fernandina Beach High School.
Sold·Closed Jul 13, 2026·41 days on market·Recent sales in Amelia Island
2816 Bob White Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
IMPECCABLE HOME WITH ROOM TO ROAM Don't miss this rare Amelia Island gem -- 1 mile from the beach, NO HOA, and nightly short-term rental eligible! This 3BD/2BA + office sits on a 1/3-acre corner lot under majestic oaks with room for a pool. Every major system replaced in 2025 (AC, water heater, water softener, septic pump) plus new drain field 2023. Inside: open split floor plan, quartz countertops throughout, custom woodworking, barn doors, KitchenAid appliances, and designer finishes at every turn. Outside: a 34x16 ft Edison-lit patio, concrete grill slab, 6 ft privacy fence, and two permitted climate-controlled 12x16 buildings -- perfect for guests, a gym, office, or income space. Oversized garage + 50 AMP RV hookup + generator transfer switch. Bring your boat, your RV, and your vision. Freshly painted 2025, transferable termite bond, furniture negotiable. Turn-key and ready -- the only thing missing is you. Experience the freedom of a home without boundaries. Contact us today to s
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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 (that applies to the reference bill above too).
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,629 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 homeThis 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $649,846 | $245,634 | — |
| 2024 | $534,344 | $238,004 | — |
| 2023 | $496,064 | $229,616 | — |
| 2022 | $400,990 | $221,472 | — |
| 2021 | $348,246 | $213,565 | — |
| 2020 | $307,992 | $209,926 | — |
2025 property taxes (current owner): $3,978/yr
Estimated taxes if purchased at asking price: ~$11,100/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.
History
Price & status history
- Jul 15, 2026Closed$685,997
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 $381/sq ft; this home is listed at $429/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2753 Amelia Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Aug 2026 | $585,000 | $418 | 2/2 | 1,400 | 15 | 0.2 |
| 96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $575,000 | $349 | 3/2 | 1,649 | 101 | 0.3 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.3 |
| 639 Gaines Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $625,000 | $521 | 3/2 | 1,200 | 270 | 0.4 |
| 552 Sunset Road, Fernandina Beach, FL 32034Listed by DIAMOND REALTY GROUP OF AMELIA ISLAND | Oct 2026 | $385,000 | $302 | 3/2 | 1,275 | 93 | 0.5 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
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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Krista Fracke
Broker Associate
This home sold on Jul 13, 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
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