This home is in Fernandina Beach.

Active

Active·7 days on market

3110 Egans Bluff Road

Fernandina Beach, FL 32034

$759,000$293/sqftEst. $3,858/moMLS# 2149220

Beds

Baths

2,590

Sq Ft

1986

Built

Garage

Pool

About this home

Fernandina Beach

Walk to the beach! Approximately 4/10 of a mile from the beach, this house has a great layout w/almost all the living space on one floor. The charming exception is the loft. The kitchen is welcoming & inviting w/marble countertops, a large island & abundant cabinetry. Privately positioned away from the guest bedrooms, the primary suite offers generous proportions, an expansive glassed-in shower & direct access to the back deck. The solarium, just off the dining room & the kitchen, is bathed in natural light. And the library/office showcases beautiful built-in shelving. Entertain guests with ease in the gracious open spaces. While you could move in today, you may want to put some of your own touches on this charming home. Being sold ''as is'' with the buyer able to do any inspections they wish. New roof in 2025, HVAC just serviced, beautiful cedar exterior. Please DO NOT walk on the back deck as it is soft in some places. Don't miss this opportunity to live on the island. Hurry home.

Cost to own

Mortgage calculator

Home Price

$759,000

Down Payment: 20%

$151,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,858

Principal & Interest: $3,858

Property taxes (est.): $1,048

Insurance (est.): $506

Estimated Total Monthly

$5,412

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$3,858

Property taxesest. at asking price, Nassau County$1,048

HOAbilled annually$16

Estimated total, before insurance$4,922/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	$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: ~$12,600/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: 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 home

As 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

Jul 14, 2026Active$759,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$759,000

Price / Sq Ft$293

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,590

Acres0.37 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3110 Egans Bluff Road, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionEgans Bluff

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size16,117.2 sq ft

Lot Dimensions110x95x135x120

Parcel Number000030021A00430000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Propane

SewerSeptic Tank

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne and One Half

LaundryIn Unit, Sink