This home is in Fernandina Beach.

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Active

Active·47 days on market

1601 Nectarine Street A3

Fernandina Beach, FL 32034

$295,000$302/sqftEst. $1,570/moMLS# 2147746

Beds

Baths

978

Sq Ft

1999

Built

—

Garage

Pool

About this home

Fernandina Beach

Welcome to this fully furnished 2-bedroom, 2-bath first-floor condo at Palms of Amelia, ideally located in the heart of beautiful Amelia Island! Enjoy easy access to the beach, historic downtown Fernandina Beach, restaurants, grocery stores, golf courses, tennis courts, fitness centers, and more, with Baptist Medical Center just a couple blocks away. Unit A-3 is a short walk to the community pool, hot tub, and outdoor pavilion with grilling area. Inside, the condo features stainless steel appliances, granite countertops, crown molding, tiled wet areas, and handicap-accessible modifications to the doors and primary bathroom. Abundant cabinet and closet space provide excellent storage, along with a large exterior storage room near the front door perfect for bikes, golf clubs, and beach gear. Whether you're searching for a winter getaway or full-time island living, this move-in ready condo offers comfort, convenience, and the relaxed Amelia Island lifestyle.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,490

Principal & Interest: $1,490

Est. Taxes & Insurance: $373

Estimated Total Monthly

$1,863

*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$1,570

Property taxesest. at asking price, Nassau County$407

HOAbilled monthly$392

Estimated total, before insurance$2,369/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	$287,000	$207,137	—
2024	$284,000	$188,306	—
2023	$283,000	$171,187	—
2022	$228,000	$155,625	—
2021	$178,000	$141,477	—
2020	$134,000	$128,615	—

Estimated taxes if purchased at asking price: ~$4,900/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: material not specified — year not disclosed (home built 1999)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Nassau County Utilities GDB - CITY OF FERNANDINA BEACH · Public water (record)

County records show this parcel on central sewer served by Nassau County Utilities GDB - CITY OF FERNANDINA BEACH — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,801 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