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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 Jun 4, 2026·9 days on market·Recent sales in Amelia Island

1032 N Fletcher Avenue A-2

Fernandina Beach, FL 32034

$637,700sold priceListed at $650,000 · 98.1% of asking$620/sqftMLS# 2141881
2
Beds
2.5
Baths
1,028
Sq Ft
1982
Built
2
Garage
No
Pool
No HOA2,614 sqft lotTownhouse3 stories

About this home

Fernandina Beach

Ocean Views + 3 Balconies | Updated 2 BR Townhome | Steps to Sand + Near Downtown Experience the best of Fernandina Beach in this beautifully renovated townhome just steps from the ocean. No HOA or Condo Fees! Perfectly positioned to capture stunning water views and happy hour sunsets. This property offers the ideal blend of coastal charm and modern upgrades. Enjoy 3 private balconies, each providing a unique vantage point to take in the ocean breeze and relaxing surroundings. Inside the home has been thoughtfully updated with stylish finishes, creating a light, bright, and welcoming space that is perfect for everyday living and entertaining. A spacious 2 car garage provides ample room for parking and storage - ideal for bikes, beach gear, and more. Located minutes from historic downtown Fernandina Beach local shops, dining, and entertainment. Outdoor enthusiasts will love being close to Ft. Clinch and the scenic trails.

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$3,532
Property taxesest. at asking price, Nassau County$880
Estimated total, before insurance$4,413/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,037/yr · $503/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

$637,700
$127,540
Loan Term
Monthly Payment
$3,532
Principal & Interest: $3,532
Property taxes (est.): $880
Insurance (est.): $425
Estimated Total Monthly
$4,838
*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: Metal — year not disclosed (home built 1982)

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

Solar potential: ~1,711 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

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

YearMarket valueTaxable valueChange
2025$573,236$326,125—
2024$559,337$316,226—
2023$485,968$305,559—
2022$339,394$239,170—
2021$313,113$230,748—
2020$276,872$226,872—

2025 property taxes (current owner): $6,037/yr

Estimated taxes if purchased at asking price: ~$10,600/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 $416/sq ft; this home is listed at $632/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
925 Tarpon Avenue 21, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2026$430,000$3742/2.51,1501300.1
2784 5th Street B, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2026$510,000$5262/2970450.3
631 Tarpon Avenue 6367, Fernandina Beach, FL 32034Listed by SERVICE REALTY, LLCJul 2026$490,000$4162/21,178140.4
382 S Fletcher Avenue 306, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$685,000$7232/29481141.3
1601 Nectarine Street F5, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLCJun 2026$225,000$2302/29782702.3

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$650,000
Price / Sq Ft$632
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,028
Total Structure Area1,028 sq ft
Acres0.06 acres
Year Built1982
TypeResidential
Sub-TypeTownhouse
StyleHalf Duplex
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1032 N Fletcher Avenue A-2, Fernandina Beach, FL 32034
Area430-Nassau County Beaches-North
SubdivisionFernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size2,613.6 sq ft
Parcel Number093N29000000070010
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewBeach, Ocean

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
# of Stories3
LevelsThree Or More
LaundryIn Garage

Exterior

Exterior FeaturesBalcony, Fire Pit
Lot DescriptionSprinklers In Rear
Patio / PorchCovered, Deck, Porch, Rear Porch
FencingFenced, Back Yard, Full, Privacy
RoofMetal
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 7, 2026
Days on Market9
Tax Amount$6,036.73
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLUID REALTY, LLC.

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 4, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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