This home is in Fernandina Beach.
$462,0003 bd · 2 ba · 1,144 sq ft
Active·138 days on market
2162 Talbot
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
This wonderfully charming 3 bedroom 2 bath home is a rare opportunity to live in a wonderful tree-covered neighborhood. The beach is only three minutes away by car and a short walking distance to shopping. It is on a cul-de-sac with no traffic in a very quiet and safe neighborhood where you can stroll down the street and sit outside. Newly renovated. The house features spacious rooms with ample natural light, creating a warm and welcoming atmosphere The large lot is undeveloped in the back and available for future expansion or a pool.
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 — 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,388 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Seaside Park3 min drive · 75 parking spaces
Closest park or preserve
Egans Creek Greenway7 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 2 mi · Egan's Creek
Closest grocery store
Publix2 min drive · 1421 Sadler Rd, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $425,172 | $334,811 | — |
| 2025 | $411,257 | $304,374 | — |
| 2024 | $350,993 | $276,704 | — |
| 2023 | $301,824 | $251,549 | — |
| 2022 | $313,671 | $228,681 | — |
| 2021 | $213,955 | $207,892 | — |
| 2020 | $191,764 | $188,993 | — |
2025 property taxes (current owner): $5,393/yr
Estimated taxes if purchased at asking price: ~$7,400/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Jun 30, 2026Listed$462,000
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 $386/sq ft; this home is listed at $404/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1709 Crescent Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Mar 2026 | $530,000 | $400 | 3/2 | 1,324 | 4 | 0.3 |
| 2121 Egret Lane, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Jun 2026 | $425,000 | $386 | 3/2 | 1,101 | 7 | 0.4 |
| 2330 Pirates Bay Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLC | Mar 2026 | $660,000 | $453 | 3/2 | 1,458 | 34 | 0.4 |
| 2107 Whitfield Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jan 2026 | $520,000 | $360 | 3/2 | 1,445 | 28 | 0.5 |
| 2141 Ciera Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Dec 2025 | $430,000 | $296 | 3/2 | 1,453 | 6 | 0.6 |
| 1992 Palm Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $325,000 | $298 | 3/1 | 1,092 | 22 | 0.8 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BEYCOME OF FLORIDA LLC
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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