This home is in Fernandina Beach.
Sold·Closed Aug 20, 2026·89 days on market·Recent sales in Amelia Island
1860 Highland Drive
Fernandina Beach, FL 32034
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.
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.
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 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 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.
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: ~$12,000/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
- Aug 20, 2026Closed$750,000
- Jul 28, 2026Pending$750,000
- Jul 28, 2026Price change$750,000−$19,000
- Apr 30, 2026Listed$769,000
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 $372/sq ft; this home is listed at $437/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 0.2 |
| 226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $755,000 | $372 | 4/3 | 2,032 | 2 | 1 |
| 410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $410,000 | $315 | 3/2 | 1,303 | 8 | 1.3 |
| 865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $750,000 | $397 | 3/2.5 | 1,887 | 75 | 1.3 |
| 1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $243 | 2/2 | 1,808 | 14 | 1.4 |
| 704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $629,000 | $377 | 3/2.5 | 1,668 | 14 | 1.5 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
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
This home sold on Aug 20, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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