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

This home is in Fernandina Beach — a waterfront home in Nassau County.

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Active

Active·59 days on market

3111 Sea Marsh Road

Fernandina Beach, FL 32034

$499,000$453/sqftEst. $2,573/moMLS# 2149343

Beds

Baths

1,102

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

A fantastic opportunity with unlimited potential awaits at Marsh View Villa on Amelia Island. Discover the rare chance to create your dream coastal retreat within one of the islands most sought-after resort communities. Perfectly positioned on scenic Sea Marsh Road, this villa offers spectacular views overlooking the marsh and Intracoastal Waterway, where breathtaking sunsets paint the evening sky. This one-bedroom, one-bath villa offers approximately 1,102 square feet of living space and presents an exceptional opportunity to personalize and make it your own. Homeowners enjoy access to an exceptional array of resort-style amenities, including a newly renovated full-service spa, boutique shopping, fine dining, scenic biking and walking trails, and an exclusive membership club featuring two championship golf courses, a renowned tennis center, and a state-of-the-art health and fitness center. If you have been searching for the ideal property within a premier coastal community.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,573

Principal & Interest: $2,573

Property taxes (est.): $689

Insurance (est.): $333

Estimated Total Monthly

$3,595

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,573

Property taxesest. at asking price, Nassau County$689

HOAbilled annually$208

Estimated total, before insurance$3,471/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, 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.

Cost to own

Taxes & assessment

Last sold: $575,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$516,000	$516,000	—
2024	$511,000	$407,459	—
2023	$506,000	$370,417	—
2022	$422,000	$336,743	—
2021	$325,000	$306,130	—
2020	$296,000	$278,300	—

Estimated taxes if purchased at asking price: ~$8,300/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1974)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,707 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