This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·148 days on market
1402 Ian Drive
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Totally Remodeled Single-Wide on Amelia Island's South End!! Completely GUTTED down to the bare outer walls with all NEW STUDS, PLUMBING, INSULATION, WIRING and even NEW TRUSSES for the CEILINGS. ***SHORT TERM RENTALS Permitted! If you've been dreaming about a little slice of Amelia Island but aren't quite ready to build that dream home yet -- this might just be your perfect FIRST STEP! On a corner lot is this 2-bedroom, 2-bath home. Lower county taxes, No HOA means bring the boat, the camper, the work truck -- all the toys are welcome! COMPLETE SHORT TERM RENTAL FREEDOM mean you can rent it nightly, weekly, or monthly while you build equity and plan your next chapter. Live in it, rent it out, or do both -- this little gem works hard for you! Step inside and you'll love the fresh, updated feel with newer plank floors throughout. The front deck is the perfect spot to sip your morning coffee, and out back you'll find a peaceful, tree-lined yard with great natural privacy -- plus a fully
Next steps in Amelia Island
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Metal — year not disclosed (home built 1970)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~755 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 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.
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 access
Dune Walk 105about 0.5 mi
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 1 mi · 4800 1st Coast Highway, 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 | $171,130 | $114,734 | — |
| 2024 | $168,606 | $104,304 | — |
| 2023 | $168,654 | $94,822 | — |
| 2022 | $125,893 | $86,202 | — |
| 2021 | $104,785 | $78,365 | — |
| 2020 | $73,424 | $71,241 | — |
2025 property taxes (current owner): $2,475/yr
Estimated taxes if purchased at asking price: ~$6,200/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 15, 2026Price change$374,995−$24,995
- Jun 3, 2026Listed$399,990
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 $429/sq ft; this home is listed at $558/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1414 Ian Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | May 2025 | $200,000 | $265 | 2/1 | 755 | 57 | 0 |
| 5424 Ervin Street, Fernandina Beach, FL 32034Listed by JPAR CITY AND BEACH | Aug 2026 | $330,000 | $429 | 2/1 | 769 | 16 | 0.4 |
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: FERNANDINA BEACH REALTY
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.
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Krista Fracke
Broker Associate
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