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 home near Fernandina Beach High School.

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Active

Active·45 days on market

212 S 6th Street

Fernandina Beach, FL 32034

$1,079,000$429/sqftEst. $5,553/moMLS# 2153270

Beds

Baths

2,516

Sq Ft

1897

Built

Garage

Pool

About this home

Fernandina Beach

Historic Charm in the Heart of Fernandina Beach. Welcome to this beautifully restored 1897 home nestled in the coveted Historic District on Amelia Island. A generous floor plan of 3 bedrooms, 2 full baths, 2 living areas, dining room and a separate office/flex room this timeless residence seamlessly blends original architectural character with thoughtful modern updates like an over-sized driveway and detached garage. From the moment you arrive, the inviting front porch, cheerful yellow exterior, and lush landscaping make for exceptional curb appeal. Inside, you'll find original hardwood floors, abundant natural light, and classic details that celebrate the home's history. The updated kitchen is designed for everyday living and entertaining, featuring white cabinetry, quartz countertops, and stainless steel appliances. The floor plan allows for the option of an upstairs spacious primary suite filled with natural light from an abundance of windows and French doors that open to a private

Cost to own

Mortgage calculator

Home Price

$1,079,000

Down Payment: 20%

$215,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,553

Principal & Interest: $5,553

Property taxes (est.): $1,490

Insurance (est.): $719

Estimated Total Monthly

$7,762

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$5,553

Property taxesest. at asking price, Nassau County$1,490

Estimated total, before insurance$7,042/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,521/yr · $543/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$772,890	$352,980	—
2024	$707,747	$342,325	—
2023	$683,063	$330,898	—
2022	$595,656	$319,804	—
2021	$490,756	$309,033	—
2020	$432,944	$304,076	—

2025 property taxes (current owner): $6,521/yr

Estimated taxes if purchased at asking price: ~$17,900/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.

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 1897)

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: ~1,484 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

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 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.

History