This home is in Amelia Park, Fernandina Beach.
$625,0003 bd · 2.5 ba · 1,998 sq ft
Active·155 days on market·Amelia Park
1524 Ruskin Lane
Fernandina Beach, FL 32034
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About this home
Amelia Park
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
Next steps in Amelia Park
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 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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest beach parking
Seaside Park6 min drive · 75 parking spaces
Closest park or preserve
Egans Creek Greenway7 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 2 mi · Egan's Creek
Closest grocery store
Publix3 min drive · 1421 Sadler Rd, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
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: ~$10,400/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
- Sep 14, 2026Price change$625,000−$14,900
- May 28, 2026Listed$639,900
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 $296/sq ft; this home is listed at $313/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1419 Coastal Oaks Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $589,000 | $321 | 3/2.5 | 1,836 | 16 | 0.5 |
| 1850 Surf Side Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Dec 2025 | $625,000 | $260 | 3/3.5 | 2,404 | 249 | 0.5 |
| 2152 Daylily Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $455,000 | $265 | 2/2.5 | 1,718 | 16 | 0.5 |
| 1560 Nectarine Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2025 | $609,000 | $332 | 3/2.5 | 1,836 | 230 | 0.5 |
| 2036 Natures Lane B, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Dec 2025 | $460,000 | $296 | 4/2.5 | 1,553 | 40 | 0.8 |
| 1132 Natures Walk Court A, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | May 2025 | $445,000 | $283 | 3/2.5 | 1,572 | 274 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
The neighborhood
About Amelia Park
Amelia Park is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
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