This home is in Plantation Oaks, Fernandina Beach.
Sold·Closed Jul 31, 2026·2 days on market·Recent sales in Plantation Oaks·Plantation Oaks
1428 Plantation Oaks Lane
Fernandina Beach, FL 32034
6 more homes for sale in Plantation Oaks →Search Plantation Oaks on the map
About this home
Plantation Oaks
Plantation Oaks POOL HOME nestled under stately oak trees on the south end of Amelia Island. This light, bright coastal home lives large with indoor and outdoor flow. The newly RENOVATED kitchen with stainless steel appliances, modern sleek flat front cabinets and Cambria quartz counters will please the chef. Just off the kitchen is a second area to gather around the fireplace or access the pool. The large living room with a bay window ushers you in the front door. The adjacent dining room has French doors leading to the screened, heated pool. The pool area is a perfect mix of sun and shade. The sun shines on the pool all afternoon, and the shaded patio offers space for eating and lounging, the perfect place for your future summer kitchen. The spacious and beautifully landscaped yard is fully fenced, with a large workshop and an additional storage shed--and don't forget your outdoor shower! Back inside, the light-filled primary suite is opposite the guest rooms for optimal privacy
Next steps in Plantation Oaks
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1982)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.
Sources: MLS listing + 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 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
Last sold: $686,000 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $525,505 | $276,088 | — |
| 2024 | $514,329 | $267,600 | — |
| 2023 | $504,525 | $258,350 | — |
| 2022 | $338,695 | $118,587 | — |
| 2021 | $283,951 | $113,677 | — |
| 2020 | $273,183 | $111,417 | — |
2025 property taxes (current owner): $4,451/yr
Estimated taxes if purchased at asking price: ~$12,300/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.
History
Price & status history
- Aug 5, 2026Closed$748,000
- Jun 25, 2026Listed$748,000
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 $468/sq ft; this home is listed at $446/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLC | Jun 2026 | $760,000 | $360 | 3/3 | 2,113 | 204 | 0.4 |
| 4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $682,500 | $340 | 3/2.5 | 2,006 | 175 | 0.5 |
| 5383 Florence Point Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $1,098,000 | $598 | 3/2 | 1,835 | 2 | 0.7 |
| 4634 Whimbrel Lane, Fernandina Beach, FL 32034Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $530,000 | $427 | 4/2 | 1,242 | 106 | 0.7 |
| 3520 1st Avenue, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2026 | $750,000 | $533 | 3/2.5 | 1,406 | 49 | 2.2 |
| 2144 Lakeside Drive E, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $875,000 | $468 | 3/2 | 1,868 | 42 | 2.4 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
The neighborhood
About Plantation Oaks
Plantation Oaks is a neighborhood in Ponte Vedra Beach, FL (Nassau County), ZIP 32034.
View all Plantation Oaks homes for sale →Keep looking
More homes in Plantation Oaks
Under Contract1335 Ashley Oaks DriveJacksonville Beach, FL 32250
3 bd · 2 ba · 2,855 sq ft
$939,000Est. $4,998/mo*OPEN HOUSE CANCELLED* Welcome to Plantation Oaks, where homes rarely come available and the beach is just over 2…
Listing Office: christie's international real estate first coast
For Sale1416 Plantation Oaks LaneFernandina Beach, FL 32034
3 bd · 2 ba · 3,199 sq ft
$1,250,000Est. $6,653/moStunner alert! Welcome to your dream home on the highly sought-after south end of Amelia Island, where luxury living…
Listing Office: keller williams realty atlantic partners
For Sale441 Clearwater DrivePonte Vedra Beach, FL 32082
5 bd · 3.5 ba · 3,152 sq ft
$1,449,900Est. $7,717/moSet on one of the most exceptional lots in Plantation Oaks, 441 Clearwater Drive offers a rare combination of privacy,…
Listing Office: ponte vedra club realty, inc.
For Sale512 Honey Locust LanePonte Vedra Beach, FL 32082
5 bd · 4 ba · 4,614 sq ft
$1,600,000Est. $8,516/moWelcome to this beautifully reimagined pool home in Plantation Oaks, offering over 4,500 square feet of light-filled…
Listing Office: keller williams realty atlantic partners
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Plantation Oaks
Plantation Oaks guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines