This home is in Fernandina Beach.

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Active

Active·61 days on market

1524 Ruskin Lane

Fernandina Beach, FL 32034

$639,900$320/sqftEst. $3,263/moMLS# 2147412

Beds

Baths

1,998

Sq Ft

2005

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to the highly desirable Garden District of Amelia Park, one of Amelia Island's most sought-after communities known for its charming streetscapes, walkability, and exceptional island lifestyle. This beautifully maintained 3-bedroom, 2.5-bath townhome offers an open-concept floor plan with soaring ceilings, fully tiled downstairs living areas, and a highly desirable first-floor owner's suite. The kitchen boasts granite countertops, a convenient bartop, abundant cabinet storage, and overlooks the spacious dining and family room combination, perfect for entertaining and everyday living. Enjoy relaxing on the inviting front patio or private upper balcony overlooking the lush green space and mature Florida landscaping that make the Garden District so special. The rear enclosed patio features pavers and added privacy, creating the perfect outdoor retreat, while the two-car garage provides ample storage and convenience. Located just steps from boutique shopping, restaurants, parks, and

Cost to own

Mortgage calculator

Home Price

$639,900

Down Payment: 20%

$127,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,263

Principal & Interest: $3,263

Property taxes (est.): $883

Insurance (est.): $427

Estimated Total Monthly

$4,573

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,263

Property taxesest. at asking price, Nassau County$883

HOAbilled annually$65

Estimated total, before insurance$4,211/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,472/yr · $706/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$632,771	$461,263	—
2024	$612,102	$447,556	—
2023	$586,944	$433,064	—
2022	$468,780	$418,780	—
2021	$383,140	$383,140	—
2020	$344,442	$344,442	—

2025 property taxes (current owner): $8,472/yr

Estimated taxes if purchased at asking price: ~$10,600/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: Shingle — year not disclosed (home built 2005)

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: ~1,753 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 28, 2026Listed$639,900

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

Features

Price$639,900

Price / Sq Ft$320

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,998

Acres0.07 acres

Year Built2005

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1524 Ruskin Lane, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionAmelia Park

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size3,049.2 sq ft

Parcel Number000031102P001608C0

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener, On Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)