This home is in Fernandina Beach.
Active·143 days on market
3523 S Fletcher Avenue
Fernandina Beach, FL 32034
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
What if an exceptional Amelia Island home gave you the freedom to host beautifully, retreat privately, and wake to ocean-view sunrises? Beautifully set within mature coastal landscaping, this elevated luxury residence offers nearly 5,700 sq ft of flexible living space with coastal sunrise views, elevator access to the primary living areas, and a private pool setting designed for relaxed island living. The floor plan supports the way discerning buyers actually live, with separate spaces for guests, extended family, work, entertaining, and quiet retreat. Two full kitchens, multiple living areas, generous accommodations, dual laundry spaces, and an oversized climate-controlled garage add function without sacrificing comfort. Above it all, the ocean view lounge offers a memorable place to gather or unwind. A refined Amelia Island residence for buyers seeking privacy, scale, and a more versatile way to experience coastal luxury.
Next steps in Amelia Island
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 1998)
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: ~1,741 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Beach access 35, S Fletcher Ave. & Manatee Ave.about 0.0 mi · 12 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 4 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 4 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 4 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 13 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- A pool back here is the warmest in town and glitters in the evening.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $1,500,000 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,564,030 | $1,511,172 | — |
| 2024 | $1,373,793 | $1,373,793 | — |
| 2023 | $1,309,793 | $1,309,793 | — |
| 2022 | $1,217,923 | $707,018 | — |
| 2021 | $1,031,428 | $684,954 | — |
| 2020 | $933,010 | $674,800 | — |
2025 property taxes (current owner): $33,753/yr
Estimated taxes if purchased at asking price: ~$53,500/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.
History
Price & status history
- Oct 9, 2026Price change$3,229,000−$171,000
- May 26, 2026Listed$3,400,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $1,132/sq ft; this home is listed at $569/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2498/2500 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by THE AGENCY AT PONTE VEDRA | Oct 2026 | $7,800,000 | $1,392 | 5/6.5 | 5,605 | 166 | 1 |
| 1848 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Apr 2025 | $6,000,000 | $1,132 | 5/4 | 5,300 | 95 | 1.7 |
| 1731 Regatta Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2025 | $2,050,000 | $465 | 3/3.5 | 4,407 | 186 | 1.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
More homes in Amelia Island
For Sale98 Sea Marsh RoadFernandina Beach, FL 32034
3 bd · 3.5 ba · 5,177 sq ft
$2,950,000Est. $15,701/moDRAMATIC MARSH VIEWS! Westerly exposure w phenomenal sunset view in Amelia Island Plantation. Set back off the road…
Listing Office: christie's international real estate first coast
Under Contract7 Green Winged Teal RoadFernandina Beach, FL 32034
4 bd · 3.5 ba · 2,899 sq ft
$1,975,000Est. $10,512/moA true hidden gem in the resort community of Amelia Island Plantation! Tucked beneath gorgeous oaks on a quiet…
Listing Office: christie's international real estate first coast
For Sale111 S 5th StreetFernandina Beach, FL 32034
3 bd · 2 ba · 2,204 sq ft
$1,149,000Est. $6,115/moStep into the timeless charm of Historic Fernandina Beach with this beautifully preserved circa-1891 Victorian home in…
Listing Office: summer house realty
For Sale5012 Karen StreetFernandina Beach, FL 32034
3 bd · 2 ba · 2,172 sq ft
$862,900Est. $4,593/moDon't let this one pass you by! This home can be rented SHORT-TERM and is within WALKING DISTANCE TO THE BEACH. It is…
Listing Office: fernandina beach realty
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island guides & reports
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines