This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·168 days on market
1389 Harrison Point Trail
Fernandina Beach, FL 32034
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About this home
Fernandina Beach
Enjoy island living. This beautifully located home is in desirable Plantation Point on the south end of Amelia Island. Just minutes from beaches, shopping, dining, and the historic charm of Fernandina Beach, this property offers both convenience and coastal appeal. The spacious layout includes a formal dining room, an eat in kitchen, and comfortable living areas designed for everyday living and entertainment. The split 3 bedroom, 2 bath floor plan provides generous room sizes with flexibility for guests, family, or a home office. A standout feature is the large, enclosed sunroom, offering valuable additional living space not included in the heated/cooled square footage--ideal for relaxing, hosting, or enjoying views of the private backyard retreat. This property has lush landscaping creating a peaceful oasis perfect for morning coffee or evening unwinding. Additional features include a generator and water softener. Major systems are up to date: Roof 2019, HVAC 2022, Water Heater 2025.
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 (that applies to the reference bill above too).
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 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 — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,543 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Burney Parkabout 0.6 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 4 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 4 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 10 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $770,748 | $177,607 | — |
| 2024 | $752,611 | $176,753 | — |
| 2023 | $735,594 | $170,149 | — |
| 2022 | $511,526 | $163,737 | — |
| 2021 | $365,071 | $157,512 | — |
| 2020 | $361,749 | $154,647 | — |
2025 property taxes (current owner): $2,920/yr
Estimated taxes if purchased at asking price: ~$12,400/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.
History
Price & status history
- Jul 17, 2026Price change$749,000−$11,000
- May 2, 2026Listed$760,000
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 $427/sq ft; this home is listed at $401/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1395 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2025 | $950,000 | $427 | 4/3 | 2,227 | 24 | 0.1 |
| 1351 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Apr 2026 | $650,000 | $324 | 3/2 | 2,009 | 26 | 0.2 |
| 4 Moss Oaks Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Feb 2026 | $1,350,000 | $612 | 3/2 | 2,205 | 10 | 0.2 |
| 5383 Florence Point Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $1,098,000 | $598 | 3/2 | 1,835 | 2 | 0.3 |
| 96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLC | Jun 2026 | $760,000 | $360 | 3/3 | 2,113 | 204 | 0.7 |
| 96183 Sylvester Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $800,000 | $366 | 4/3.5 | 2,187 | 55 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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
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