This home is in Fernandina Beach.
Sold·Closed Aug 26, 2026·45 days on market·Recent sales in Amelia Island
2784 5th Street B
Fernandina Beach, FL 32034
About this home
Fernandina Beach
YOUR COASTAL ESCAPE AWAITS with no worries of having to pay HOA or Condo fees! Just steps from the shoreline and only two blocks to beach access, this charming duplex townhome offers the ultimate blend of location, convenience, and relaxed island living. Ideally situated near Fort Clinch State Park, you'll enjoy easy access to scenic trails, parks, and some of the area's most loved restaurants--all just a short walk or bike ride away. Spend your mornings strolling the beach, afternoons biking to Main Beach, and evenings dining at nearby local favorites. Whether you're searching for a full-time residence, a weekend getaway, or a second home by the ocean, this property delivers the coastal lifestyle buyers dream about---A 1-car garage adds convenience and extra storage--perfect for beach gear, golf cart, bikes, and all your coastal essentials. Inside, the 2-bedroom, 2-bath layout features an open-concept design with durable LVP flooring throughout--
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 (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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 1991)
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: ~1,773 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $306,463 | $306,463 | — |
| 2024 | $301,542 | $171,105 | — |
| 2023 | $302,239 | $164,665 | — |
| 2022 | $299,947 | $158,413 | — |
| 2021 | $279,779 | $152,343 | — |
| 2020 | $215,787 | $149,549 | — |
2025 property taxes (current owner): $5,523/yr
Estimated taxes if purchased at asking price: ~$8,400/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 30, 2026Closed$519,000
- Jul 27, 2026Pending$519,000
- Jul 7, 2026Active Under Contract$519,000
- Jun 14, 2026Listed$519,000
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 $416/sq ft; this home is listed at $535/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 631 Tarpon Avenue 6367, Fernandina Beach, FL 32034Listed by SERVICE REALTY, LLC | Jul 2026 | $490,000 | $416 | 2/2 | 1,178 | 14 | 0.1 |
| 925 Tarpon Avenue 21, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $430,000 | $374 | 2/2.5 | 1,150 | 130 | 0.2 |
| 1032 N Fletcher Avenue A-2, Fernandina Beach, FL 32034Listed by FLUID REALTY, LLC. | Jun 2026 | $637,700 | $620 | 2/2.5 | 1,028 | 9 | 0.3 |
| 382 S Fletcher Avenue 306, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $685,000 | $723 | 2/2 | 948 | 114 | 1 |
| 1601 Nectarine Street F5, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Jun 2026 | $225,000 | $230 | 2/2 | 978 | 270 | 2 |
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: WATSON REALTY CORP
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 26, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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