This home is in Fernandina Beach.

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Active

Active·54 days on market

2498 S Fletcher Avenue

Fernandina Beach, FL 32034

$7,495,000$1535/sqftEst. $38,096/moMLS# 2147062

Beds

Baths

4,882

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

Experience oceanfront coastal luxury at this extraordinary Amelia Island property offering breathtaking views that stretch for miles. An engineer's dream, this concrete constructed home has it all from 32 ft auger pilings ensuring exceptional stability to curtain wall impact rated window systems throughout. A special 27 foot variance was obtained to allow the home to be built beyond the coastal construction line and it sits 21 feet above the main high tide line. There's a full house generator, 4 marine grade Trane HVAC systems, 4 tankless Rennai gas water heaters, an elevator and a UV and alkaline reverse osmosis water filtration system. Only the best finishes here from Brazilian IPE siding, metal roofing and Italian tile to rich walnut veneers, Wolf and Sub Zero appliances and a Savant/Lutron lighting and shade system. Crowned with a spectacular roof deck. The wine room features a 225 bottle floating wine rack system. Seller open to including pool and pool house at 2500 S Fletcher.

Cost to own

Mortgage calculator

Home Price

$7,495,000

Down Payment: 20%

$1,499,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$38,096

Principal & Interest: $38,096

Est. Taxes & Insurance: $9,524

Estimated Total Monthly

$47,620

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$38,096

Property taxesest. at asking price, Nassau County$10,347

Estimated total, before insurance$48,443/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	$4,117,412	$2,221,837	—
2024	$3,850,974	$2,158,512	—
2023	$3,642,829	$2,094,186	—
2022	$3,755,834	$2,031,734	—
2021	$3,223,957	$1,971,101	—
2020	$2,583,683	$1,943,196	—

2025 property taxes (current owner): $40,202/yr

Estimated taxes if purchased at asking price: ~$124,200/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 2018)

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: ~1,724 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

Price & status history

May 26, 2026Listed$7,495,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$7,495,000

Price / Sq Ft$1,535

Bedrooms4

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,882

Acres0.44 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address2498 S Fletcher Avenue, Fernandina Beach, FL 32034

Area431-Nassau County Beaches-South

SubdivisionFernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size19,166.4 sq ft

Parcel Number000031114A00160000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOcean

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Elevator, Guest Suite, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s), Wine Cellar

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Water Heater, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories3

LevelsThree Or More