This home is in Fernandina Beach.
Active·84 days on market
223 Sandcastles Court
Fernandina Beach, FL 32034
About this home
Fernandina Beach
3RD FLOOR OCEANFRONT VILLA within the gates of the prestigious Omni Amelia Island Plantation! Offered fully furnished and ready to rent or move in on closing day! Sandcastles Villas is one of the highest rental income producing complexes in the Amelia Island Plantation. A fabulous find for investors, this villa has been fully remodeled, including new lighting and fixtures, interior doors, and plantation shutters. Offering sweeping views of the Atlantic from ALL ROOMS! The living area includes a dining space with tray ceiling, and a fully equipped kitchen with stainless appliances, white cabinetry, granite counters, and breakfast bar. Enter into the spacious bedroom suite that offers balcony access and an en suite bath with new vanities and tub/shower combo. Tile flooring throughout the entire villa and a modern, beachy aesthetic enhances the appeal. Fantastic walkable location, in the complex adjacent to the Omni hotel and just a short walk or bike ride to the Plantation shops
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $616,500 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $496,800 | $496,800 | — |
| 2024 | $474,120 | $474,120 | — |
| 2023 | $471,960 | $471,960 | — |
| 2022 | $371,520 | $340,956 | — |
| 2021 | $309,960 | $309,960 | — |
| 2020 | $289,440 | $289,440 | — |
2024 property taxes (current owner): $7,808/yr
Estimated taxes if purchased at asking price: ~$10,400/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1982)
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: ~1,820 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.
History
Price & status history
- Apr 30, 2026Listed$625,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines