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

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Active·39 days on market

884 Robin Hood Drive

Fernandina Beach, FL 32034

$465,000Est. $2,388/moMLS# 2146896

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Garage

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About this home

Fernandina Beach

Rare Double Lot Opportunity in the Heart of Amelia Island - Lots 43 & 44!...This UNIQUE DOUBLE LOT PARCEL offers endless potential for homeowners and investors alike. Whether you're looking to build two separate homes to rent or reside in, this property provides freedom to create something special. Located in an area with no HOA restrictions, SHORT TERM RENTALS ARE PERMITTED--making it ideal for those seeking RENTAL INCOME or MULTIGENERATIONAL LIVING OPTIONS. A manufactured home currently sits on the lot but holds no value, giving you a clean slate to build new. Located--just 1.5 miles to the beach, or take a morning walk to get coffee which is only 4 blocks away. Downtown Historical Fernandina Beach is 2.5 miles away which is an easy drive to the charming & quaint restaurants and local shops. Drive By or Make an Appointment to walk the entire property... Don't Miss this one!

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,388

Principal & Interest: $2,388

Property taxes (est.): $642

Insurance (est.): $310

Estimated Total Monthly

$3,340

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,388

Property taxesest. at asking price, Nassau County$642

Estimated total, before insurance$3,030/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$378,876	$17,940	—
2024	$336,369	$16,730	—
2023	$259,925	$15,515	—
2022	$256,336	$14,335	—
2021	$182,770	$13,189	—
2020	$138,846	$12,662	—

2025 property taxes (current owner): $279/yr

Estimated taxes if purchased at asking price: ~$7,700/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: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,338 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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