Active·20 days on market
0 Ash Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Rare Downtown Fernandina Opportunity! One of the last available lots in historic Fernandina Beach offering highly desirable Commercial-3 (C-3) zoning, providing exceptional flexibility for a restaurant, retail business, office, mixed-use development, or even a live/work concept. Ideally located just one block from Centre Street and only a few blocks from the vibrant downtown waterfront, this 50' x 100' lot places you in the heart of one of Northeast Florida's most sought-after destinations. Enjoy the convenience of nearby off-street public parking just steps away, making this an attractive location for customers, clients, and guests. Whether you're an investor, entrepreneur, or visionary looking to create something special in downtown Fernandina Beach, opportunities like this are becoming increasingly rare.
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.
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,437 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 homeAs of August 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 | $325,000 | $201,314 | — |
| 2024 | $275,000 | $183,013 | — |
| 2023 | $275,000 | $166,375 | — |
| 2022 | $275,000 | $151,250 | — |
| 2021 | $275,000 | $137,500 | — |
| 2020 | $125,000 | $125,000 | — |
Estimated taxes if purchased at asking price: ~$7,900/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.
History
Price & status history
- Sep 2, 2026Active$479,000
- Aug 20, 2026Pending$479,000
- Aug 5, 2026Active$479,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES · twatson@realestateamelia.com
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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