This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·78 days on market
2156 White Sands Way
Fernandina Beach, FL 32034
About this home
Fernandina Beach
MOTIVATED SELLERS! ALL REASONABLE OFFERS CONSIDERED! WELCOME TO CAPE SOUND, a community centrally located on Amelia Island. Walking distance to shopping, dining, beautiful beaches of Amelia Island and a short drive to Historic Downtown. Enjoy the community pool, walking paths and have a chat with neighbors at the Gazebo overlooking the pond. The ground floor offers you Kitchen, Dining, Living and half bath. Enjoy outdoor dining on the patio or a night cap on your front porch. Second level offers 2BR/2BA, sitting area, laundry and balconies off both bedrooms. Owners Suite includes a separate sitting area and is located on the 3rd level. Owners bath offers double vanities, walk in shower, garden tub and large walk in closet. Unit has an elevator to each floor and 2 car garage. This unit is perfect for your primary residence or second home. Come see all this community has to offer on beautiful Amelia Island. Furnishings available and can be purchased separately.
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, 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 | $576,000 | $576,000 | — |
| 2024 | $570,000 | $559,020 | — |
| 2023 | $600,000 | $508,200 | — |
| 2022 | $462,000 | $462,000 | — |
| 2021 | $330,000 | $330,000 | — |
| 2020 | $320,000 | $320,000 | — |
2025 property taxes (current owner): $10,381/yr
Estimated taxes if purchased at asking price: ~$12,400/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 2007)
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: ~1,802 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 21, 2026Listed$749,000
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: IRON VALLEY REAL ESTATE NORTH FLORIDA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines