This home is in Fernandina Beach.

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Pending

Pending·60 days on market

81543 Boatswain Court

Fernandina Beach, FL 32034

$484,999$250/sqftEst. $2,581/moMLS# 2145656

Beds

Baths

1,939

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

Built in 2018 and owned by its original owners, this well-maintained home shows true pride of ownership from the moment you arrive. Tucked in a quiet cul-de-sac neighborhood, the property features gorgeous pond views, a fully fenced yard, and an irrigation system to keep everything looking its way best year-round. This home is not only beautiful, but easy to maintain. Inside, the quality speaks for itself with top-tier cabinetry, beautiful tilework, and calming neutral paint colors that still look fresh today. All major systems remain in excellent condition, offering buyers real peace of mind. No CDD fees and a low HOA make this an even smarter investment. Located just minutes from A-rated Nassau County schools, the beaches of Amelia Island, and Jacksonville International Airport, this home checks every box for those seeking comfort, quality, and convenience in one of Fernandina Beach's most desirable communities.

Cost to own

Mortgage calculator

Home Price

$484,999

Down Payment: 20%

$97,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,450

Principal & Interest: $2,450

Est. Taxes & Insurance: $612

Estimated Total Monthly

$3,062

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,581

Property taxesest. at asking price, Nassau County$670

HOAbilled annually$55

Estimated total, before insurance$3,306/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	$343,466	$184,860	—
2024	$321,939	$178,943	—
2023	$310,952	$172,275	—
2022	$277,685	$165,801	—
2021	$223,332	$159,516	—
2020	$207,622	$156,623	—

Estimated taxes if purchased at asking price: ~$8,000/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.