This home is in Fernandina Beach.

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Active

Active·68 days on market

1230 Beech Street

Fernandina Beach, FL 32034

$749,000$458/sqftEst. $3,807/moMLS# 2144930

Beds

Baths

1,637

Sq Ft

1930

Built

—

Garage

Pool

About this home

Fernandina Beach

Completely remodeled historic Amelia Island home overlooking Central Park and located just minutes from the beach, historic downtown, waterfront, local dining, and shopping. This 3-bedroom Fernandina Beach home blends the character buyers want with modern updates, including refinished original hardwood floors, updated plumbing and electrical, new windows and ductwork, plus custom 6'' baseboards, casings, crown molding, and stair rails. Natural light pours into the home while the layout keeps each space feeling comfortable, functional, and connected. The kitchen was designed to stand out, featuring solid wood slim shaker cabinetry with soft-close hinges, quartz countertops, decorator tile backsplash, Amerock hardware, stainless appliances, and bar seating. The upstairs primary suite offers a custom walk-in closet and a spacious bathroom with dual vanities, soaking tub, decorator tile, and a large walk-in shower with dual shower heads.

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,807

Principal & Interest: $3,807

Est. Taxes & Insurance: $952

Estimated Total Monthly

$4,759

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,807

Property taxesest. at asking price, Nassau County$1,034

Estimated total, before insurance$4,841/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

Last sold: $299,900 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$240,228	$231,773	—
2024	$210,703	$210,703	—
2023	$196,375	$196,375	—
2022	$176,383	$90,410	—
2021	$88,386	$82,191	—
2020	$76,808	$74,719	—

2025 property taxes (current owner): $4,229/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Metal — year not disclosed (home built 1930)

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: ~1,586 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

As 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

May 12, 2026Listed$749,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$749,000

Price / Sq Ft$458

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,637

Acres0.10 acres

Year Built1930

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address1230 Beech Street, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size4,356 sq ft

Lot Dimensions50x86

Parcel Number0000311800023010D2

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Off Street

Interior

Interior FeaturesCeiling Fan(s)

AppliancesElectric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup