This home is in Fernandina Beach.

1 / 36

Active

Active·80 days on market

1860 Highland Drive

Fernandina Beach, FL 32034

$769,000$448/sqftEst. $3,909/moMLS# 2142710

Beds

Baths

1,718

Sq Ft

1952

Built

Garage

Pool

About this home

Fernandina Beach

This beautifully updated 3BD/2BA single-story, concrete block home sits in the heart of Highland Drive, one of Amelia Island's most sought-after neighborhoods. Perched at a high elevation on a private, tree-canopied lot with mature fruit trees, every window in this home frames beautiful, serene views that make you feel worlds away while still being close to everything. You have to experience the views of Egan's Creek for yourself. Inside, solid wood floors, and an abundance of natural light create a warm and inviting atmosphere throughout. The heated and cooled Florida room adds flexible living and entertaining space year-round. Major systems have all been thoughtfully replaced, including: a 4-ton Carrier variable speed HVAC with 10-year warranty, full duct replacement, updated electrical panel, and energy-efficient Renewal by Andersen Fibrex windows. Spray foam insulation on the roof deck keeps the home exceptionally comfortable year-round.

Cost to own

Mortgage calculator

Home Price

$769,000

Down Payment: 20%

$153,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,909

Principal & Interest: $3,909

Est. Taxes & Insurance: $977

Estimated Total Monthly

$4,886

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,909

Property taxesest. at asking price, Nassau County$1,062

Estimated total, before insurance$4,970/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

Last sold: $700,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$664,975	$591,402	—
2024	$624,027	$574,027	—
2023	$603,246	$553,246	—
2022	$515,077	$269,216	—
2021	$342,607	$259,918	—
2020	$327,825	$255,639	—

Estimated taxes if purchased at asking price: ~$12,700/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1952)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,638 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

As 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