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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 Jun 30, 2026·5 days on market·Recent sales in Amelia Island

731 Wren Drive

Fernandina Beach, FL 32034

$529,999sold priceListed at $529,999 · 100% of asking$345/sqftMLS# 2145655
3
Beds
2.5
Baths
1,536
Sq Ft
1988
Built
2
Garage
No
Pool
No HOA10,019 sqft lotSingle Family Residence2 stories

About this home

Fernandina Beach

On-island opportunity at an unbeatable price, with no HOA fees to slow you down. This Fernandina Beach gem has been completely transformed over the last five years with all the big-ticket items already done: new roof, windows, flooring, kitchen, A/C, and appliances. Move in with total peace of mind knowing the home functions nearly like new construction. While not in a flood zone, a home generator keeps the A/C, refrigerator, and lights running when it matters most, a valuable feature in coastal Florida. The neutral interior and gorgeous curb appeal make this home move-in ready from day one. No HOA means freedom to store your boat or RV right on the property. Situated just two miles from the beach and vibrant downtown Fernandina Beach, you're close to everything the island has to offer while nestled in a quiet neighborhood. County taxes keep costs manageable, and the property's short-term rental eligibility opens the door to strong investment potential.

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$2,936
Property taxesest. at asking price, Nassau County$732
Estimated total, before insurance$3,667/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

$529,999
$106,000
Loan Term
Monthly Payment
$2,936
Principal & Interest: $2,936
Property taxes (est.): $732
Insurance (est.): $353
Estimated Total Monthly
$4,021
*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

YearMarket valueTaxable valueChange
2025$439,804$354,534—
2024$426,776$343,835—
2023$403,719$332,364—
2022$371,227$321,227—
2021$171,186$171,186—
2020$165,857$62,226—

Estimated taxes if purchased at asking price: ~$8,800/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.

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 $349/sq ft; this home is listed at $345/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1874 Clinch Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$500,000$3153/21,5884810.1
1505 Lakeside Court, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$830,000$4363/2.51,9021430.5
2433 Bonnie Oaks Drive, Fernandina Beach, FL 32034Listed by ONE REALTY CORPDec 2025$400,000$2723/21,468610.6
1535 Clinch Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYSep 2026$570,000$2993/21,90720.7
96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$755,000$3814/21,984880.7
96180 Montego Bay, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$575,000$3493/21,6491010.8

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$529,999
Price / Sq Ft$345
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,536
Acres0.23 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address731 Wren Drive, Fernandina Beach, FL 32034
Area440-Fernandina Beach Downtown-South
SubdivisionOak Grove
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size10,018.8 sq ft
Parcel Number000030042D000M0060

Amenities

UtilitiesCable Available, Electricity Available
Water SourcePrivate, Well
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Range, Refrigerator, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air
# of Stories2

Additional Information

Date ListedMay 16, 2026
Days on Market5
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

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 Jun 30, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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

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