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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Fernandina Beach.

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Sold

Sold·Closed Jul 31, 2026·51 days on market·Recent sales in Amelia Island

2972 Ferdinand Court

Fernandina Beach, FL 32034

$885,000sold priceListed at $923,000 · 95.9% of asking$316/sqftMLS# 2145474
5
Beds
3
Baths
2,797
Sq Ft
2013
Built
2
Garage
Yes
Pool
HOA $58/moSingle Family Residence1 story

About this home

Fernandina Beach

OPEN HOUSE | Saturday, June 27 | 10 AM to 12 PM Welcome to this beautifully maintained 5-bedroom, 3-bath Amelia Island home featuring a heated saltwater pool, stylish updates, and mostly single-level living with a private office behind French doors. The updated kitchen offers new countertops, refreshed cabinetry with slide-out drawers, and newer appliances. The primary suite features an updated bath with a frameless glass shower, while additional baths have also been refreshed. Major upgrades include a new water heater, owned water softener and conditioning system, and cleaned air vents. Outside, enjoy the screened lanai, heated saltwater pool, refreshed landscaping, updated lighting, and a Shark-coated garage floor with new utility sink. Just minutes from the beach, golf, shopping, and dining. Schedule your private showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,902
Property taxesest. at asking price, Nassau County$1,222
HOAbilled annually$58
Estimated total, before insurance$6,182/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$885,000
$177,000
Loan Term
Monthly Payment
$4,902
Principal & Interest: $4,902
Property taxes (est.): $1,222
Insurance (est.): $590
Estimated Total Monthly
$6,714
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

Last sold: $780,000 in April 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$789,073$625,997—
2024$764,187$607,647—
2023$673,470$529,353▲ $47,899
2022$614,192$0—
2021$437,338$0—
2020$407,642$311,404—

Estimated taxes if purchased at asking price: ~$14,700/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.

History

Price & status history

  • Aug 10, 2026Closed$923,000

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 $350/sq ft; this home is listed at $330/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2971 Ferdinand Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$985,000$3784/32,60600
536 Spanish Way W, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$739,000$3503/22,111210.3
415 Dunes Of Amelia Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYNov 2025$837,500$3155/3.52,6562010.4
396 Sargasso Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPJul 2026$710,000$3483/2.52,041850.5
96025 Sea Breeze Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2026$1,105,000$3044/4.53,6321560.5
96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$755,000$3814/21,984880.6

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

Price$923,000
Price / Sq Ft$330
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,797
Year Built2013
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure
Is WaterfrontNo

Community Information

Address2972 Ferdinand Court, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionIsle De Mai
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number000031087I01210000

Amenities

UtilitiesCable Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Split Bedrooms
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Exterior

Patio / PorchRear Porch, Screened

Additional Information

Date ListedMay 15, 2026
Days on Market51
HOA Fees$700 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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