This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·177 days on market
1008 Beech Street
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Welcome to 1008 Beech Street, a rare opportunity to own a versatile property in the heart of beautiful Fernandina Beach located on Amelia Island, recently named the #1 Best Island in the United States three years in a row by Global Traveler magazine.Situated on a .23-acre corner lot, this property offers exceptional flexibility within the Mixed Use-8 zoning district, allowing for a unique blend of residential, office, and commercial possibilities. Based on current density guidelines and land development code, the parcel presents exciting potential for multiple residential unitsan increasingly rare opportunity in such a prime, in-town location.Tucked just off 8th Street, the setting provides a quieter, more residential feel while still placing you in the center of it all. Enjoy being just two blocks from local dining, boutiques, and everyday conveniences, and only a short stroll to the charm and character of Historic Downtown Fernandina Beach.Outdoor living is right at your doorstep
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: Metal — year not disclosed (home built 1900)
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: ~980 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 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, league fields and grocery store from this home's location.
Closest beach parking
Main Beach Parkabout 2 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 1 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 0.5 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 1 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 1 mi · 1385 Amelia Plaza, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:33 AM, sunset 6:47 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $410,455 | $410,455 | — |
| 2024 | $356,005 | $112,661 | — |
| 2023 | $351,754 | $107,923 | — |
| 2022 | $349,560 | $103,323 | — |
| 2021 | $171,876 | $98,857 | — |
| 2020 | $166,029 | $96,802 | — |
2025 property taxes (current owner): $7,397/yr
Estimated taxes if purchased at asking price: ~$14,100/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
- Apr 27, 2026Listed$849,000
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 $548/sq ft; this home is listed at $854/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1000 Date Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $449,990 | $421 | 3/2 | 1,068 | 5 | 0.1 |
| 232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $500,000 | $548 | 2/2 | 912 | 60 | 0.2 |
| 410 Cedar Street, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $720,000 | $761 | 2/2 | 946 | 3 | 0.3 |
| 73 Oak Grove Place, Fernandina Beach, FL 32034Listed by COWFORD REALTY & DESIGN LLC | Mar 2026 | $365,000 | $333 | 2/1 | 1,095 | 2 | 0.3 |
| 111 S 4th Street, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Nov 2025 | $635,000 | $611 | 2/2 | 1,040 | 38 | 0.3 |
| 403 S 13th Terrace, Fernandina Beach, FL 32034Listed by BRANDYWINE HOMES USA LLC | Jun 2025 | $389,000 | $308 | 3/2 | 1,263 | 8 | 0.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
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Krista Fracke
Broker Associate
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