This home is in Fernandina Beach.
Active·62 days on market
543 Patriots Way
Fernandina Beach, FL 32034
About this home
Fernandina Beach
** Spacious & Gracious & Waiting for You ** 543 Patriot's Way is a 3-bedroom, 2-1/2 bath home with a study/office space that delivers abundant space and functionality. Working remote? Home includes a whole-house generator to keep you up and running. You will be welcomed into the home by engineered hardwood floors in the bedrooms and study. Enjoy making meals in your gourmet kitchen featuring granite countertops, stainless steel appliances updated dishwasher and microwave and two ovens to help you prepare for a crowd. Your living area overlooks your private, fenced backyard complete with a firepit and restful water fountain. The spacious yard is large enough for a private pool but, if you prefer to leave the maintenance to others, Isle De Mai offers a swimming pool at the entrance to the community. The home is also close to the the bike/walk trail & Beach Access #30. Great shopping, dining, & entertainment are just a short drive to Centre St. in the village of Fernandina Beach.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $799,000 in August 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $687,927 | $687,927 | — |
| 2024 | $664,009 | $664,009 | — |
| 2023 | $637,127 | $637,127 | ▲ $52,277 |
| 2022 | $571,932 | $347,223 | — |
| 2021 | $407,275 | $335,653 | — |
| 2020 | $380,328 | $330,328 | — |
2025 property taxes (current owner): $12,398/yr
Estimated taxes if purchased at asking price: ~$14,000/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.
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: Shingle — year not disclosed (home built 2012)
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: ~1,799 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 homeAs 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
- May 18, 2026Listed$845,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PINEYWOODS REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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