This home is in Marsh Cove, Fernandina Beach.

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Pending

Pending·86 days on market·Marsh Cove

123 Hirth Road 1103

Fernandina Beach, FL 32034

$227,000$216/sqftEst. $1,157/moMLS# 2142960

Beds

Baths

1,050

Sq Ft

1974

Built

—

Garage

Pool

About this home

Marsh Cove

Located in the desirable Marsh Cove community on Amelia Island, this beautifully renovated 2-bedroom, 1.5-bath townhome style condo offers the perfect blend of comfort and coastal charm. The bright and open living space leads to a private back patio, ideal for relaxing or entertaining. Upstairs, the primary bedroom features a private balcony, perfect for enjoying morning coffee. Thoughtfully updated and in excellent condition, this condo is move-in ready. Marsh Cove residents enjoy access to a refreshing community pool, all with low monthly condo fees. Conveniently located near shopping, dining, and the Amelia Island Marina, this home provides easy access to all the island has to offer. Don't miss this opportunity to own a piece of paradise!

Cost to own

Mortgage calculator

Home Price

$227,000

Down Payment: 20%

$45,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,157

Principal & Interest: $1,157

Property taxes (est.): $313

Insurance (est.): $151

Estimated Total Monthly

$1,622

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$1,157

Property taxesest. at asking price, Nassau County$313

HOAbilled monthly$391

Estimated total, before insurance$1,862/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, 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$215,740	$174,694	—
2024	$215,208	$158,813	—
2023	$192,150	$144,375	—
2022	$131,250	$131,250	—
2021	$114,500	$114,500	—
2020	$113,400	$60,028	—

Estimated taxes if purchased at asking price: ~$3,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1974)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.