This home is in Fernandina Beach — a gated community home on Amelia Island.
Pending·126 days on market
1601 Nectarine Street B2
Fernandina Beach, FL 32034
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
Cost to own
Mortgage calculator
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).
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.
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.
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines