Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a waterfront home in Nassau County.

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Active

Active·79 days on market

3119 Sea Marsh Road

Fernandina Beach, FL 32034

$1,495,000$563/sqftEst. $7,623/moMLS# 2145917

Beds

Baths

2,657

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

MARSH FRONT MAGIC! Amelia Island Plantation, marsh front villa welcomes you with a tranquil, oak-lined path that leads to your front door. Step inside to show-stopping panoramic marsh views with dramatic floor-to-ceiling, two-story windows that flood the home with natural light. The open staircase and vaulted ceilings add to the airy feel, while wood and tile flooring flow seamlessly throughout. The kitchen is positioned to take full advantage of the views for the chef of the house and features granite countertops, an island filled with storage, and a gas cooktop. Two guest rooms are downstairs for easy entertaining while upstairs, a loft with custom built-ins makes the ideal office and second living room. The large primary suite shines with marsh views, a private balcony, two walk-in closets, a bathroom with double vanities, soaking tub, walk-in shower, and linen closet. The expansive screened outdoor living space offers the ideal setting to relax and enjoy the beauty of the marsh.

Cost to own

Mortgage calculator

Home Price

$1,495,000

Down Payment: 20%

$299,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,623

Principal & Interest: $7,623

Property taxes (est.): $2,064

Insurance (est.): $997

Estimated Total Monthly

$10,683

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$7,623

Property taxesest. at asking price, Nassau County$2,064

HOAbilled annually$208

Estimated total, before insurance$9,895/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,155/yr · $1,180/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$940,000	$865,283	—
2024	$931,000	$786,621	—
2023	$922,000	$715,110	—
2022	$768,000	$650,100	—
2021	$591,000	$591,000	—
2020	$538,000	$538,000	—

2025 property taxes (current owner): $14,155/yr

Estimated taxes if purchased at asking price: ~$24,800/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1974)

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: ~1,707 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