This home is in Fernandina Beach.
Sold·Closed Aug 31, 2026·39 days on market·Recent sales in Amelia Island
3110 Egans Bluff Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
NEW PRICE! Walk to the beach! Approximately 4/10 mile from the beach, this house has a gracious layout w/almost all the living space on one floor. The charming exception is the loft. The kitchen is inviting w/marble countertops, a large island & abundant cabinetry. The library/office showcases beautiful built-in shelving. Privately positioned away from the guest bedrooms, the primary suite offers generous proportions, an expansive glassed-in shower, separate soaking tub & direct access to the back deck. Significant seller investments have already been made: new roof in 2025, new HVAC 2026, new septic being completed. Priced to reflect its ''as is'' condition, this home represents an exceptional value for the discerning buyer who recognizes its potential in a premier location. Buyers encouraged to conduct any inspections they wish. Please DO NOT walk on the back deck as it is soft in some places. Don't miss this opportunity to own in one of the island's great neighborhoods. Hurry home.
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.
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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: Shingle — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Public water (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: ~1,550 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $673,991 | $263,620 | — |
| 2024 | $631,012 | $260,342 | — |
| 2023 | $544,913 | $251,303 | — |
| 2022 | $524,126 | $242,527 | — |
| 2021 | $400,550 | $234,007 | — |
| 2020 | $348,663 | $230,086 | — |
Estimated taxes if purchased at asking price: ~$10,700/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 4, 2026Closed$675,000
- Aug 2, 2026Pending$675,000
- Jul 30, 2026Price change$675,000−$84,000
- Jul 14, 2026Active$759,000
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 $381/sq ft; this home is listed at $261/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2144 Lakeside Drive E, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $875,000 | $468 | 3/2 | 1,868 | 42 | 0.1 |
| 3124 Big Pine Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $769,900 | $400 | 3/2 | 1,927 | 9 | 0.1 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 0.7 |
| 2972 Ferdinand Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $885,000 | $316 | 5/3 | 2,797 | 51 | 0.8 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.9 |
| 2971 Ferdinand Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $985,000 | $378 | 4/3 | 2,606 | 0 | 0.9 |
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
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.
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Krista Fracke
Broker Associate
This home sold on Aug 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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