This home is in Fernandina Beach.

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Active

Active·87 days on market

1000 Date Street

Fernandina Beach, FL 32034

$474,000$444/sqftEst. $2,409/moMLS# 2141619

Beds

Baths

1,068

Sq Ft

1956

Built

—

Garage

Pool

About this home

Fernandina Beach

ISLAND LIVING LESS THAN 500K. Remodeled Amelia Island home with high-impact upgrades and strong structural improvements. Renovation includes new flooring throughout and a modern kitchen with backsplash, stainless steel appliances, and a large center island ideal for entertaining. Major systems updated in 2022 including HVAC, roof, water heater, and solar panels, plus energy-efficient windows installed in 2023. Structural improvements professionally completed by Alpha Foundations, offering added stability and peace of mind. Bathrooms are fully updated with clean, modern finishes. The owner's suite features a walk-in shower and functional layout. Private outdoor shower adds to the coastal lifestyle. Fully fenced backyard designed for low-maintenance living and entertaining with turf, gravel accents, and stepping-stone pathways. Storage shed included for beach gear and additional storage. Ample parking. Mostly furnished. Located approximately 0.5 miles to the Fernandina Beach Down

Cost to own

Mortgage calculator

Home Price

$474,000

Down Payment: 20%

$94,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,409

Principal & Interest: $2,409

Est. Taxes & Insurance: $602

Estimated Total Monthly

$3,012

*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$2,409

Property taxesest. at asking price, Nassau County$654

Estimated total, before insurance$3,064/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: $383,600 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$331,909	$327,418	—
2024	$297,653	$297,653	—
2023	$279,404	$279,404	—
2022	$218,963	$218,963	—
2021	$120,027	$95,513	—
2020	$105,367	$86,830	—

2025 property taxes (current owner): $5,929/yr

Estimated taxes if purchased at asking price: ~$7,900/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 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1956)

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: ~1,658 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