This home is in Fernandina Beach — a gated community home on Amelia Island.
Pending·174 days on market
1601 Nectarine Street B2
Fernandina Beach, FL 32034
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Exceptional 3-bedroom, 2-bathroom ground-floor condo in a gated island community just 5 minutes to the beach, grocery stores, and historic downtown Fernandina Beach. This updated first floor 3 bedroom residence offers the ideal blend of space, convenience, and low-maintenance living. The expanded kitchen features quartzite countertops, soft-close cabinetry, and generous storage. Luxury vinyl plank flooring runs throughout the main living areas for a clean, durable finish. Both bathrooms were remodeled in 2023 with modern, tasteful updates. Major system improvements provide peace of mind, including new windows (2018), new roofs throughout the community (2018), a new hot water heater (2022), and a brand-new HVAC system (2024). Enjoy the heated community pool and grilling cabana just steps from your door. Public beach access is approximately 1.5 miles away, with the shops and dining of downtown just two miles away. Whether as a primary residence, second home, or investment property, this
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · Nassau County Utilities GDB - CITY OF FERNANDINA BEACH · Public water (record)
County records show this parcel on central sewer served by Nassau County Utilities GDB - CITY OF FERNANDINA BEACH — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,801 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Beach access 13, S Fletcher Ave. & S. Jefferson Ave.about 1 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 1 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 1 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 1 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 14 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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
Last sold: $410,000 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $325,000 | $274,278 | — |
| 2024 | $322,000 | $322,000 | — |
| 2023 | $319,000 | $319,000 | — |
| 2022 | $257,000 | $64,409 | — |
| 2021 | $201,000 | $61,077 | — |
| 2020 | $156,000 | $59,543 | — |
2025 property taxes (current owner): $5,102/yr
Estimated taxes if purchased at asking price: ~$6,500/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
- Aug 13, 2026Pending$389,900
- Jul 24, 2026Price change$389,900−$9,100
- Apr 26, 2026Listed$399,000
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 $365/sq ft; this home is listed at $327/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1601 Nectarine Street F5, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Jun 2026 | $225,000 | $230 | 2/2 | 978 | 270 | 0 |
| 1601 Nectarine Street I5, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2026 | $360,000 | $302 | 3/2 | 1,193 | 171 | 0 |
| 1004 Natures Walk Drive A, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2025 | $415,000 | $324 | 2/2 | 1,280 | 21 | 0.4 |
| 1631 S Fletcher Avenue D, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | May 2026 | $399,000 | $422 | 2/1 | 946 | 1 | 1.1 |
| 382 S Fletcher Avenue 306, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $685,000 | $723 | 2/2 | 948 | 114 | 1.3 |
| 2886 Forest Ridge Drive U6, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Mar 2026 | $372,000 | $365 | 3/2 | 1,019 | 60 | 1.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.
Keep looking
More homes in The Palms At Amelia
For Sale1601 Nectarine Street I1Fernandina Beach, FL 32034
3 bd · 2 ba · 1,193 sq ft
$369,900Est. $1,969/moCOMPLETELY REMODELED, great location and PRICED TO SELL! Own your piece of paradise on Amelia Island in this rare…
Listing Office: berkshire hathaway home services heymann williams realty
For Sale1601 Nectarine Street A3Fernandina Beach, FL 32034
2 bd · 2 ba · 978 sq ft
$249,000Est. $1,325/moWelcome to this fully furnished 2-bedroom, 2-bath first-floor condo at Palms of Amelia, ideally located in the heart of…
Listing Office: amelia island real estate services
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island 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