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This home is in Plantation Oaks, Fernandina Beach — a golf community home on Amelia Island.

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Active

Active·45 days on market·Plantation Oaks

1618 Plantation Oaks Lane

Fernandina Beach, FL 32034

$1,600,000$550/sqftEst. $8,234/moMLS# 2153886

Beds

Baths

2,910

Sq Ft

2019

Built

Garage

Yes

Pool

About this home

Plantation Oaks

WELCOME TO YOUR DREAM HOME! Less than a mile from the BEACH, this exceptional custom-built pool home offers the rare combination of luxury, privacy, and freedom with NO HOA and NO deed restrictions. Situated on over a quarter acre lot on a private CUL-DE-SAC street and backing to the prestigious Amelia Island Golf Club (Ritz-Carlton property), this 2019 residence is designed for effortless coastal living. The resort-style saltwater pool steals the show with a stunning waterfall feature, colorful LED lighting, an extended paver pool deck, screened lanai, and fully fenced backyard--creating the perfect, private setting for entertaining or relaxing year-round. Offering nearly 3,000 square feet, this thoughtfully designed split-bedroom floor plan features soaring vaulted ceilings, beautiful ceramic tile flooring, custom blinds, and custom-designed barn doors that add warmth and character throughout. The open-concept living spaces flow seamlessly into the chef's kitchen

Cost to own

Mortgage calculator

Home Price

$1,600,000

Down Payment: 20%

$320,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$8,234

Principal & Interest: $8,234

Property taxes (est.): $2,209

Insurance (est.): $1,067

Estimated Total Monthly

$11,510

*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$8,234

Property taxesest. at asking price, Nassau County$2,209

Estimated total, before insurance$10,443/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,425/yr · $702/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
2024	$796,427	$516,005	—
2023	$775,569	$499,519	—
2022	$673,288	$483,514	—
2021	$585,794	$467,975	—
2020	$550,513	$460,823	—

2025 property taxes (current owner): $8,425/yr

Estimated taxes if purchased at asking price: ~$26,500/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 (2024), 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 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic

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: ~1,742 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 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

Price & status history

Jul 5, 2026Listed$1,600,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,600,000

Price / Sq Ft$550

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,910

Acres0.37 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

Community Information

Address1618 Plantation Oaks Lane, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionPlantation Oaks

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size16,117.2 sq ft

Parcel Number000030087000140000

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne