This home is in Fernandina Beach.

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Pending

Pending·66 days on market

232 Vernon Street

Fernandina Beach, FL 32034

$527,500$578/sqftEst. $2,681/moMLS# 2145603

Beds

Baths

912

Sq Ft

1960

Built

Garage

Pool

About this home

Fernandina Beach

Completely Remodeled in 2017 all within walking distance of downtown Amelia Island. This charming cottage offers the perfect blend of cozy comfort and coastal charm. Surrounded by lush, thoughtfully designed landscaping, the home feels like a private retreat with plenty of extra driveway space to have all your new friends over. Inside, warm, inviting spaces are filled with natural light and outside sit on your front porch or dine al-fresco on your courtyard. A detached oversized one-car garage with plumbing and EXTRA storage space, not included in sq ft, adds convenience. Ideal as a getaway or full-time residence, this cottage captures the essence of island living in a truly enchanting way. Walk your way to downtown or use your golf cart explore the beaches and Island. Call quickly for your private showing.

Cost to own

Mortgage calculator

Home Price

$527,500

Down Payment: 20%

$105,500

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,681

Principal & Interest: $2,681

Est. Taxes & Insurance: $670

Estimated Total Monthly

$3,352

*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$2,681

Property taxesest. at asking price, Nassau County$728

Estimated total, before insurance$3,409/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	$285,254	$86,847	—
2024	$251,472	$83,692	—
2023	$235,328	$79,798	—
2022	$213,312	$76,017	—
2021	$167,258	$69,899	—
2020	$149,346	$68,508	—

2025 property taxes (current owner): $1,724/yr

Estimated taxes if purchased at asking price: ~$8,700/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 C

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

Roof: material not specified — year not disclosed (home built 1960)

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: ~1,504 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