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 gated community home on Amelia Island.

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Pending

Pending·50 days on market

3323 Sea Marsh Road

Fernandina Beach, FL 32034

$599,000$374/sqftEst. $3,089/moMLS# 2151487

Beds

Baths

1,600

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

Charming and fully furnished villa in the lush preserve of Amelia Island Plantation, with short-term rentals allowed. One of the largest floorplans in the community, this spacious villa features an extended Four Season Room and a bonus area in the primary suite, perfect for home office or private sitting area. The open, airy layout is filled with natural light, seamlessly connecting the living, dining, and Four Season Room, ideal for both everyday living and entertaining. The kitchen is well-appointed with stainless steel appliances, ample storage, and easy access to the private paver patio, perfect for grilling. The primary suite offers comfort and privacy with an ensuite bath, while the second bedroom provides convenient access to a second full bathroom. Step out to the paver patio and enjoy peaceful surroundings and golf course views. Golf cart included, adding to the convenience of island living. Residents enjoy access to 2 community pools, gated entry, beach access and bike paths.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,089

Principal & Interest: $3,089

Property taxes (est.): $827

Insurance (est.): $399

Estimated Total Monthly

$4,315

*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$3,089

Property taxesest. at asking price, Nassau County$827

HOAbilled monthly$1,145

Estimated total, before insurance$5,061/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: $635,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$554,000	$554,000	—
2024	$497,000	$497,000	▼ $7,000
2023	$461,000	$461,000	—
2022	$427,000	$287,496	—
2021	$287,000	$261,360	—
2020	$257,000	$237,600	—

Estimated taxes if purchased at asking price: ~$9,900/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1974)

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

Solar potential: ~1,149 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.