This home is in Fernandina Beach.

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Active

Active·45 days on market

665 Spanish Way E

Fernandina Beach, FL 32034

$775,000$312/sqftEst. $3,951/moMLS# 2150505

Beds

Baths

2,484

Sq Ft

2008

Built

Garage

Pool

About this home

Fernandina Beach

Experience the best of coastal living in this beautifully designed Fernandina Beach home, offering 2,500 square feet of comfort and style just moments from Amelia Island's natural beauty. Situated in a private cul-de-sac this 3-bedroom, 2-bath, 2-car garage residence features vaulted ceilings and a bright open floorplan filled with natural light, seamlessly connecting the spacious living and kitchen areas. The well-appointed kitchen offers rich cabinetry, ample counter space, and an ideal layout for entertaining. The private primary suite is a relaxing retreat with a spa-inspired bath, deep soaking tub, and walk-in shower. Enjoy year-round outdoor living from the screened patio, or gather around the backyard fire pit under the stars. Outdoor enthusiasts will appreciate easy access to the River to Sea Trail and nearby beaches for biking and walking adventures. Residents also enjoy a sparkling community pool, manicured landscaping, arched architectural details creating the perfect blend

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,951

Principal & Interest: $3,951

Property taxes (est.): $1,070

Insurance (est.): $517

Estimated Total Monthly

$5,538

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,951

Property taxesest. at asking price, Nassau County$1,070

HOAbilled annually$58

Estimated total, before insurance$5,080/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,270/yr · $439/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$650,771	$283,604	—
2024	$629,196	$274,904	—
2023	$598,876	$265,441	▲ $40,182
2022	$543,737	$256,253	—
2021	$388,245	$247,333	—
2020	$363,533	$243,228	—

2025 property taxes (current owner): $5,270/yr

Estimated taxes if purchased at asking price: ~$12,800/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2008)

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: ~1,638 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 25, 2026Price change$775,000−$24,000
Jun 13, 2026Listed$799,000

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

Features

Price$775,000

Price / Sq Ft$312

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,484

Acres0.27 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address665 Spanish Way E, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionIsle De Mai at Amelia

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size11,761.2 sq ft

Parcel Number000031087I00640000

Amenities

AmenitiesPool, Clubhouse

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

Spa FeaturesCommunity

Exterior

Exterior FeaturesFire Pit

Lot DescriptionCul-De-Sac, Dead End Street

Patio / PorchRear Porch, Screened

FencingBack Yard

RoofShingle

ConstructionFrame, Stucco

Additional Information

Date ListedJune 13, 2026

Days on Market42

HOA Fees$700 / Annually

HOA FrequencyAnnually

HOA Fee IncludesMaintenance Grounds

Tax Amount$5,270.44

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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