This home is in Fernandina Beach.
Active·46 days on market
1402 Ian Drive
Fernandina Beach, FL 32034
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
Cost to own
Mortgage calculator
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, 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 | $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: ~$6,600/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 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.
History
Price & status history
- Jun 3, 2026Listed$399,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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