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This home is in Plantation Oaks, Fernandina Beach — a home near Fernandina Beach High School.

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Active

Active·108 days on market·Plantation Oaks

1416 Plantation Oaks Lane

Fernandina Beach, FL 32034

$1,250,000$391/sqftEst. $6,426/moMLS# 2145147

Beds

Baths

3,199

Sq Ft

2024

Built

—

Garage

Pool

About this home

Plantation Oaks

Stunner alert! Welcome to your dream home on the highly sought-after south end of Amelia Island, where luxury living meets coastal charm. This brand-new custom build is loaded with high-end features and thoughtful design, all in a prime location just minutes from shops, restaurants, and pristine beaches, and NO HOA restrictions. Set on a beautifully landscaped lot with a fully fenced backyard and a circular driveway offering abundant parking, this home exudes both style and functionality. Step inside to find luxury vinyl plank flooring throughout, an open-concept layout flooded with natural light, and absolutely incredible finishes around every corner. At the heart of the home is an incredible gourmet kitchen with custom cabinetry, Quartz countertops, a massive island, dual sinks, high-end appliances, a large walk-in pantry, and designer lighting and plumbing fixtures. Enjoy seamless views into the spacious family room and a well-appointed dining area, perfect for entertaining.

Cost to own

Mortgage calculator

Home Price

$1,250,000

Down Payment: 20%

$250,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,426

Principal & Interest: $6,426

Property taxes (est.): $1,726

Insurance (est.): $833

Estimated Total Monthly

$8,985

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,426

Property taxesest. at asking price, Nassau County$1,726

Estimated total, before insurance$8,152/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,173/yr · $181/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$767,658	$0	—
2024	$277,061	$127,268	—
2023	$414,211	$210,624	—
2022	$307,952	$202,887	—
2021	$250,376	$195,376	—
2020	$239,462	$239,462	—

2024 property taxes (current owner): $2,173/yr

Estimated taxes if purchased at asking price: ~$20,700/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: Metal — year not disclosed (home built 2024)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,192 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Jul 15, 2026Price change$1,250,000−$50,000
May 14, 2026Listed$1,300,000

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

Features

Price$1,250,000

Price / Sq Ft$391

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage3,199

Acres0.24 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address1416 Plantation Oaks Lane, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionPlantation Oaks

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,454.4 sq ft

Parcel Number000030076000020080

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingCircular Driveway, Off Street

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringVinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)