This lot is in American Beach, Fernandina Beach.
$699,0000.24 acres · Unimproved Land
Active·203 days on market·American Beach
5406 Mary Avenue
Fernandina Beach, FL 32034
All American Beach homes for sale →Search American Beach on the map
See it this week
Want to walk this lot this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone, the survey and the utilities, so you know what you can build.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this lot
American Beach
Rare Double Lot Opportunity in Historic American Beach -- Build Your Coastal Retreat. Discover a truly exceptional opportunity at the end of Mary Avenue in Historic American Beach on Amelia Island -- a rare double lot offering privacy, flexibility, and the chance to create something truly special. Tucked away in a quiet setting, this expansive homesite backs to a serene pond and is framed by a beautiful natural tree canopy, creating a peaceful, Old Florida backdrop that is increasingly hard to find. Just a short stroll to the beach, this location offers the perfect balance of seclusion and coastal convenience. With two lots combined, the possibilities are elevated -- design a custom primary residence, a luxury vacation home, or an investment property with added space and privacy. Opportunities like this are limited in American Beach, where charm, history, and proximity to the ocean continue to drive strong demand. Valuable improvements are already in place, including no impact fees and
Next steps in American Beach
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • 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).
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.
Krista can connect you with local insurance quotes before you make an offer.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
Dune Walk 106about 0.3 mi
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 1 mi · 4800 1st Coast Highway, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $450,000 | $194,872 | — |
| 2024 | $450,000 | $177,156 | — |
| 2023 | $400,000 | $161,051 | — |
| 2022 | $280,000 | $146,410 | — |
| 2021 | $160,000 | $133,100 | — |
| 2020 | $130,000 | $121,000 | — |
2025 property taxes (current owner): $4,609/yr
Estimated taxes if purchased at asking price: ~$11,600/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.
History
Price & status history
- Apr 20, 2026Listed$699,000
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 $1,111,111 an acre; this lot is listed at $2,912,500 an acre.
| Address | Closed | Price | $/acre | Acres | DOM | Miles |
|---|---|---|---|---|---|---|
| 0 Avery Road, Fernandina Beach, FL 32034Listed by PREMIER HOMES REALTY INC | Mar 2026 | $120,000 | $571,429 | 0.21 | 190 | 0.2 |
| 12 Ocean Club Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Apr 2026 | $1,150,000 | $2,395,833 | 0.48 | 28 | 0.9 |
| 95003 Manucy Pointe Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Feb 2026 | $300,000 | $1,111,111 | 0.27 | 10 | 0.9 |
| 1675 Philips Manor Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Aug 2026 | $338,000 | $845,000 | 0.4 | 12 | 1.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this lot is worth; Krista runs the adjustments per lot.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE 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 American Beach
American Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all American Beach homes for sale →Explore the area
More in American Beach
American Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines