This home is in Fernandina Beach.

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Active

Active·50 days on market

3523 S Fletcher Avenue

Fernandina Beach, FL 32034

$3,400,000$599/sqftEst. $18,096/moMLS# 2147131

Beds

Baths

5,673

Sq Ft

1998

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$3,400,000

Down Payment: 20%

$680,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$17,174

Principal & Interest: $17,174

Est. Taxes & Insurance: $4,294

Estimated Total Monthly

$21,468

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$18,096

Property taxesest. at asking price, Nassau County$4,694

Estimated total, before insurance$22,790/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

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: ~$56,300/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: 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 26, 2026Listed$3,400,000

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

Features

Price$3,400,000

Price / Sq Ft$599

Bedrooms5

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage5,673

Acres0.21 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Pool Cover, Salt Water

Is WaterfrontNo

Direction FacesEast

Community Information

Address3523 S Fletcher Avenue, Fernandina Beach, FL 32034

Area431-Nassau County Beaches-South

SubdivisionAmelia Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,147.6 sq ft

Parcel Number000031168000120050

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Circular Driveway, Garage, Garage Door Opener

ViewBeach, Ocean

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesNone, Convection Oven, Dishwasher, Double Oven, Electric Cooktop, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

Fireplace FeaturesElectric

# of Stories4

LevelsThree Or More

LaundryIn Unit, Lower Level, Upper Level