This home is in Fernandina Beach.

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Active

Active·79 days on market

1008 Beech Street

Fernandina Beach, FL 32034

$849,000$854/sqftEst. $4,519/moMLS# 2142241

Beds

Baths

994

Sq Ft

1900

Built

—

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,289

Principal & Interest: $4,289

Est. Taxes & Insurance: $1,072

Estimated Total Monthly

$5,361

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$4,519

Property taxesest. at asking price, Nassau County$1,172

Estimated total, before insurance$5,691/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

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.

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 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History