This home is in Fernandina Beach.

1 / 16

Active

Active·16 days on market

919 S 12th Street

Fernandina Beach, FL 32034

$335,000$314/sqftEst. $1,783/moMLS# 2142552

Beds

Baths

1,066

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

Opportunity knocks in the heart of Fernandina Beach! This 3-bedroom, 1-bath home offers 1,066 sq ft of potential on a quiet street in a highly desirable location. Built in 1974 and connected to city water with septic system in place, this compact home is the perfect canvas for investors, flippers, or anyone ready to create their dream coastal retreat. With solid bones and endless possibilities, a little vision and updating can go a long way here! Tucked away in a peaceful neighborhood while still being close to beaches, shopping, dining, and local attractions, this property combines location and opportunity at an affordable price point. Whether you're looking for your next renovation project or a home you can personalize from the ground up, this one is worth a look. Selling As-Is, Where-Is. Bring your ideas, your contractor, and your best offer before this hidden gem is gone!

Cost to own

Mortgage calculator

Home Price

$335,000

Down Payment: 20%

$67,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,692

Principal & Interest: $1,692

Est. Taxes & Insurance: $423

Estimated Total Monthly

$2,115

*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$1,783

Property taxesest. at asking price, Nassau County$462

Estimated total, before insurance$2,245/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	$261,682	$84,384	—
2024	$225,320	$145,868	—
2023	$195,653	$132,607	—
2022	$171,865	$120,552	—
2021	$133,365	$109,593	—
2020	$116,801	$99,630	—

2025 property taxes (current owner): $1,584/yr

Estimated taxes if purchased at asking price: ~$5,500/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 1974)

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: ~1,673 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

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