Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

For Rent·28 days on market

514 S 4th Street B

Fernandina Beach, FL 32034

$2,800/moMLS# 2148303

Rental listing

Krista specializes in home sales, not rentals. To tour or apply for this rental, contact the listing agent directly:

The Massey Real Estate Group, Inc. · THE MASSEY REAL ESTATE GROUP INC KaseyRMassey@gmail.com

Beds

Baths

1,000

Sq Ft

1984

Built

—

Garage

Pool

About this home

Fernandina Beach

Newly renovated and fully furnished! This first-floor, two-bedroom, two-bathroom apartment is located just four blocks from downtown Fernandina Beach. The unit features a fully equipped kitchen with brand-new appliances, an in-unit washer and dryer, spacious renovated bathrooms, and a comfortable living area. This apartment also includes a covered patio area for outdoor relaxation. Minimum lease term is one month(@ $3,000), with leases available up to one year(@ $2,800). Available now -- don't miss this opportunity!

Cost to own

Mortgage calculator

Home Price

$2,800

Down Payment: 20%

$560

Interest Rate: 6.65%

Loan Term

Monthly Payment

$14

Principal & Interest: $14

Property taxes (est.): $4

Insurance (est.): $2

Estimated Total Monthly

$20

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$762,494	$602,553	—
2024	$723,332	$579,848	—
2023	$705,065	$558,634	—
2022	$707,757	$527,186	—
2021	$542,876	$496,577	—
2020	$451,434	$451,434	—

Estimated taxes if purchased at asking price: ~$0/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.