This home is in Fernandina Beach.

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Active

Active·88 days on market

1421 Highland Drive

Fernandina Beach, FL 32034

$1,689,000$1482/sqftEst. $8,585/moMLS# 2141263

Beds

Baths

1,140

Sq Ft

1986

Built

Garage

Pool

About this home

Fernandina Beach

Tucked along the tranquil shores of Eagan's Creek, this charming waterfront cottage offers the ultimate Amelia Island lifestyle. Located on the sought-after north end, this fully remodeled home sits on a quiet street just minutes from the shops and restaurants of Centre Street. On city water and sewer, and no HOA or CDD fees or restrictions -- so there's plenty of room to bring your boat or RV and truly enjoy coastal living your way! Having undergone a complete renovation by Pickett Construction, this home blends coastal elegance with modern upgrades. Plans are drawn for an 800-sq-ft addition that would add two bedrooms, maximizing potential. The open-concept living, kitchen, and dining area are designed to capture breathtaking marsh views and unforgettable sunset skies. The owner's suite offers a walk-in closet with custom built-ins and a beautifully remodeled en suite bath. The secondary bedroom and additional flex room offer flexibility for guests, storage, or an overflow sleeping

Cost to own

Mortgage calculator

Home Price

$1,689,000

Down Payment: 20%

$337,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$8,585

Principal & Interest: $8,585

Est. Taxes & Insurance: $2,146

Estimated Total Monthly

$10,731

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$8,585

Property taxesest. at asking price, Nassau County$2,332

Estimated total, before insurance$10,917/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $1,200,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$644,826	$644,826	—
2024	$636,265	$636,265	—
2023	$494,129	$372,902	—
2022	$479,224	$339,002	—
2021	$308,184	$308,184	—
2020	$300,532	$300,532	—

2025 property taxes (current owner): $11,621/yr

Estimated taxes if purchased at asking price: ~$28,000/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — year not disclosed (home built 1986)

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: ~1,745 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

Price & status history

Apr 22, 2026Listed$1,689,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,689,000

Price / Sq Ft$1,482

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,140

Acres0.23 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address1421 Highland Drive, Fernandina Beach, FL 32034

Area420-Fernandina Beach-Downtown-East

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Parcel Number000031160000190030

ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewCreek/Stream, Water

Waterfront TypeCreek, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Dryer, Electric Oven, Electric Range, Ice Maker, Microwave, Washer, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryIn Unit