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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 Fernandina Beach — a gated community home on Amelia Island.

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Sold

Sold·Closed Jun 29, 2026·54 days on market·Recent sales in Amelia Island

95024 Barclay Place 4A

Fernandina Beach, FL 32034

$580,000sold priceListed at $597,700 · 97% of asking$376/sqftMLS# 2140603
2
Beds
2
Baths
1,541
Sq Ft
2005
Built
1
Garage
No
Pool
HOA $90/moCondominium1 story

About this home

Fernandina Beach

Fully renovated in 2022, this light-filled villa offers effortless island living inside the gated Harrison Cove community on Amelia Island. The open layout features 10-foot ceilings, recessed lighting, plantation shutters, and a cozy fireplace. A sunroom extends the living space and opens to a private outdoor area, perfect for relaxing or entertaining. The chef's kitchen includes Cambria Quartz countertops, custom cabinetry with crown molding and soft-close drawers, tile backsplash, premium LG appliances, a custom vent hood, and built-in pantry. The primary suite features a spa-inspired bath with walk-in shower, dual vanities, and custom closet shelving. Additional upgrades include a smart-system HVAC, tankless water heater, and well-designed laundry room. Outdoor living includes a grassy yard, patio, privacy hedges, and one-car garage. Located on Amelia Island's south end, just a short golf cart ride to the beach, shopping, and dining.

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$3,213
Property taxesest. at asking price, Nassau County$801
HOAbilled annually$90
Estimated total, before insurance$4,103/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$580,000
$116,000
Loan Term
Monthly Payment
$3,213
Principal & Interest: $3,213
Property taxes (est.): $801
Insurance (est.): $387
Estimated Total Monthly
$4,400
*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.

Cost to own

Taxes & assessment

Last sold: $506,000 in March 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$492,000$370,944—
2024$487,000$359,782—
2023$462,000$347,847—
2022$382,000$245,571—
2021$294,000$236,962—
2020$283,000$233,000—

Estimated taxes if purchased at asking price: ~$9,600/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.

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 $430/sq ft; this home is listed at $388/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5242 Sea Chase Drive #1 8A, Fernandina Beach, FL 32034Listed by DALTON WADE INCAug 2026$1,430,000$7573/31,8891420.6
95282 Summerwoods Circle 608, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPOct 2025$572,500$4302/21,3301260.6
3327 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPSep 2026$550,000$3932/21,4006891
3318 Sea Marsh Road, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$565,000$4522/21,250941
3323 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPAug 2026$565,000$3532/21,600111
2322 /2324 Boxwood Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$480,000$3292/21,460641

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$597,700
Price / Sq Ft$388
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,541
Year Built2005
TypeResidential
Sub-TypeCondominium
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address95024 Barclay Place 4A, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionHarrison Cove
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000030028V000304A0

Amenities

Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Parking Lot

Interior

Interior FeaturesCeiling Fan(s), Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
SecuritySecurity Gate

Exterior

Patio / PorchCovered, Rear Porch, Screened

Additional Information

Date ListedApril 17, 2026
Days on Market54
HOA Fees$1,075 / Annually
HOA FrequencyAnnually
HOA Fee IncludesInsurance, Maintenance Grounds, Trash, Water
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 29, 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.

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20+ years · 500+ closings · NE Florida

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