This lot is in American Beach, Fernandina Beach.
Active·118 days on market·American Beach
5460 James Street
Fernandina Beach, FL 32034
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About this lot
American Beach
Build your dream home in the heart of historic American Beach, one of Amelia Island's most unique & rapidly evolving coastal communities. Located just three blocks from the Atlantic Ocean, this homesite is an easy walk to the beach via the Lewis Street or Julia Street beach accesses. Burney Park is also just minutes away, offering convenient beach access, ample parking, public restrooms, and outdoor showers. Founded in 1935, American Beach is celebrated for its rich history, natural beauty, and relaxed Old Florida charm. Today, the neighborhood is experiencing an exciting renaissance, with stunning new construction and multi-million-dollar custom homes enhancing the community while preserving its distinctive character. Recent Nassau County infrastructure improvements have brought municipal water and sewer to the area, eliminating the need for private well and septic systems. Whether you're building a primary residence, second home, or investment property, this lot offers outstanding
Next steps in American Beach
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • 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).
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.
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.
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 access
Dune Walk 106about 0.1 mi
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 1 mi · 4800 1st Coast Highway, 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 |
|---|---|---|---|
| 2025 | $375,000 | $115,152 | — |
| 2024 | $375,000 | $104,684 | — |
| 2023 | $300,000 | $95,167 | — |
| 2022 | $190,000 | $86,515 | — |
| 2021 | $125,000 | $78,650 | — |
| 2020 | $75,000 | $71,500 | — |
2025 property taxes (current owner): $3,399/yr
Estimated taxes if purchased at asking price: ~$8,300/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
- Jul 3, 2026Listed$500,000
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 $2,727,273 an acre; this lot is listed at $3,846,154 an acre.
| Address | Closed | Price | $/acre | Acres | DOM | Miles |
|---|---|---|---|---|---|---|
| 5442 Ervin Street, Fernandina Beach, FL 32034Listed by ACREAGE REALTY LLC | Mar 2026 | $300,000 | $2,727,273 | 0.11 | 1 | 0.1 |
| 5479 Ervin Street, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Sep 2025 | $344,000 | $3,127,273 | 0.11 | 201 | 0.1 |
| 0 Avery Road, Fernandina Beach, FL 32034Listed by PREMIER HOMES REALTY INC | Mar 2026 | $120,000 | $571,429 | 0.21 | 190 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this lot is worth; Krista runs the adjustments per lot.
Features
School Information
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 American Beach
American Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines