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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 home near Fernandina Beach High School.

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Sold

Sold·Closed May 21, 2026·0 days on market·Recent sales in Amelia Island

413 Stanley Drive

Fernandina Beach, FL 32034

$685,000sold priceListed at $694,900 · 98.6% of asking$316/sqftMLS# 2141594
5
Beds
3
Baths
2,170
Sq Ft
1955
Built
—
Garage
No
Pool
No HOA0.46 acresSingle Family Residence1 story

About this home

Fernandina Beach

Ask about the ASSUMABLE MORTGAGE at 3.5%! Coastal compound on Amelia Island with NO HOA--this 5BR/3BA property sits on an oversized ½-acre lot with room for a pool. The main home offers 4BR/2BA, plus a separate 500 sq ft heated/cooled ADU (2021) with full bath and kitchenette, ideal for guests, rental income, or multigenerational living. Inside, you'll find mid-century modern touches including live-edge counters, stained glass, and tongue-and-groove ceilings. Outside, enjoy a screened porch, swim spa, fire pit, garden beds, kayak storage, and RV parking with hookup. Conveniently located just minutes from the historic downtown shopping district, Amelia Island beaches, Egan's Creek, Fort Clinch trails, and Dee Dee Bartels Boat Ramp. Zoned for Florida's top-ranked school district. Pool shown is virtually staged.

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$3,794
Property taxesest. at asking price, Nassau County$946
Estimated total, before insurance$4,740/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,382/yr · $282/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$685,000
$137,000
Loan Term
Monthly Payment
$3,794
Principal & Interest: $3,794
Property taxes (est.): $946
Insurance (est.): $457
Estimated Total Monthly
$5,197
*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.

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 1955)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,329 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,382/yr

Estimated taxes if purchased at asking price: ~$11,300/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, NEFMLS.

History

Price & status history

  • Apr 23, 2026Listed$694,900

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 $397/sq ft; this home is listed at $320/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$725,000$4223/21,718890.2
1606 Atlantic Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$1,190,000$4673/32,54730.5
226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$755,000$3724/32,03220.8
1015 Someruelus Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLCNov 2025$900,000$3814/3.52,3631161
212 S 6th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPOct 2026$1,000,000$3973/22,516511.1
1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$2432/21,808141.1

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$694,900
Price / Sq Ft$320
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,170
Acres0.46 acres
Year Built1955
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational, Ranch, Mid-Century Modern
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces4
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address413 Stanley Drive, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionForest Hills
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size20,037.6 sq ft
Parcel Number000031128A00060000
ZoningResidential

Amenities

Community FeaturesSidewalks, Airport/Runway
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Carport, Detached, Guest, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
FireplaceYes
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
Spa FeaturesHeated, Above Ground, Private

Exterior

Exterior FeaturesFire Pit, Outdoor Shower
Lot DescriptionWooded
Patio / PorchCovered, Deck, Front Porch, Patio, Porch, Rear Porch, Screened, Side Porch
FencingBack Yard
RoofShingle
ConstructionBlock
Other StructuresGuest House, Shed(s), Workshop
Road SurfacePaved

Additional Information

Date ListedApril 23, 2026
Days on Market0
Tax Amount$3,382.2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 21, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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