This home is in Fernandina Beach.

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Active

Active·64 days on market

5012 Karen Street

Fernandina Beach, FL 32034

$899,000$414/sqftEst. $4,785/moMLS# 2144822

Beds

Baths

2,172

Sq Ft

2019

Built

Garage

Pool

About this home

Fernandina Beach

Don't let this one pass you by! This home can be rented SHORT-TERM and is within WALKING DISTANCE TO THE BEACH. It is located in the county with LOWER TAXES. Live the coastal lifestyle on Amelia Island's desirable South End! This SEDA-built 3-bedroom, 2-bath home with a dedicated office offers quality craftsmanship and easy island living. Designed for comfort and style, the open floor plan connects spacious living, dining, and kitchen areas -- perfect for entertaining or relaxing after a day in the sun. Enjoy durable tile flooring throughout, ideal for a beach lifestyle, plus a neutral design ready for any décor. The kitchen sink is outfitted with a reverse osmosis filter for safe drinking water. The screened patio creates an inviting outdoor retreat to hear the ocean waves from your back porch, while the large lot provides space to consider a pool and personalize your backyard oasis.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,541

Principal & Interest: $4,541

Est. Taxes & Insurance: $1,135

Estimated Total Monthly

$5,676

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$4,785

Property taxesest. at asking price, Nassau County$1,241

Estimated total, before insurance$6,026/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

Year	Market value	Taxable value	Change
2025	$837,134	$190,999	—
2024	$544,978	$185,107	—
2023	$529,622	$178,754	—
2022	$374,722	$172,587	—
2021	$351,336	$282,664	—
2020	$328,071	$278,071	—

Estimated taxes if purchased at asking price: ~$14,900/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2019)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,610 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History