This home is in Fernandina Beach.
Sold·Closed Aug 28, 2026·50 days on market·Recent sales in Amelia Island
1655 Clinch Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to 1655 Clinch Drive, a beautifully maintained brick ranch-style home nestled on an expansive .88 acres lot with mature pine trees and a sprawling green lawn. Inside, the inviting living room centers around a classic brick fireplace leading into an airy living room with vaulted shiplap ceilings and an abundance of natural light. The chef's kitchen features custom white cabinetry, lit display cases, elegant stone countertops with a matching full-height backsplash, a contrasting black island with a butcher block top, premium stainless steel appliances with gas stove. A massive bonus room offers flexible space, currently set up with a pool table and a unique, dedicated home salon area equipped with a wash station, salon chairs, and custom built-ins. Step outside to a spectacular backyard oasis. A backyard deck includes a 4-person Bullfrog Spas hot tub and a complete cooking station with a Tru Sear, Green Egg smoker, and Weber gas grill. The rear covered patio showcases a magnific
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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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1969)
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: ~1,603 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 | $351,662 | $188,233 | — |
| 2024 | $298,590 | $182,221 | — |
| 2023 | $289,970 | $175,457 | — |
| 2022 | $286,639 | $168,890 | — |
| 2021 | $248,185 | $162,515 | — |
| 2020 | $209,581 | $159,581 | — |
2025 property taxes (current owner): $3,086/yr
Estimated taxes if purchased at asking price: ~$15,400/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
- Aug 28, 2026Closed$975,000
- Aug 13, 2026Pending$975,000
- Jun 10, 2026Listed$975,000
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 $397/sq ft; this home is listed at $398/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1535 Clinch Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2026 | $570,000 | $299 | 3/2 | 1,907 | 2 | 0.2 |
| 1512 Coastal Oaks Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $970,000 | $485 | 3/2.5 | 1,999 | 51 | 0.7 |
| 1567 Olmsted Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $835,000 | $378 | 3/2.5 | 2,209 | 35 | 0.7 |
| 1505 Lakeside Court, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $830,000 | $436 | 3/2.5 | 1,902 | 143 | 0.8 |
| 1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $243 | 2/2 | 1,808 | 14 | 1 |
| 212 S 6th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2026 | $1,000,000 | $397 | 3/2 | 2,516 | 51 | 1.3 |
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: ONE SOTHEBY'S INTERNATIONAL 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 28, 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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