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This home is in Fernandina Beach.

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Active

Active·45 days on market

1872 Oceanside Lane

Fernandina Beach, FL 32034

$1,140,000$612/sqftEst. $5,855/moMLS# 2154054

Beds

Baths

1,863

Sq Ft

1991

Built

Garage

Pool

About this home

Fernandina Beach

STEPS from the beach in the exclusive gated Oceanside community on Amelia Island! Immaculate fully renovated home showcases custom designer finishes, including a gourmet kitchen with vaulted ceilings, slim shaker cabinetry, Calacatta Gold quartz countertops, and new stainless appliances. Wide-plank European White Oak flooring flows throughout the open layout. With 3 bedrooms, 2 baths, and a light-filled sunroom, the home blends comfort and sophistication. The primary suite is a true retreat with a spa-worthy bath featuring a freestanding tub and walk-in shower. Additional upgrades include a new AC system and windows for peace of mind. Enjoy effortless living with HOA-covered lawn care, irrigation, and resort-style amenities--pool, tennis, and more. Evenings are spent among friendly neighbors or strolling to the Ritz-Carlton nearby. Whether a full-time residence or vacation escape, this home offers a rare opportunity to own luxury island living at its finest!

Cost to own

Mortgage calculator

Home Price

$1,140,000

Down Payment: 20%

$228,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,855

Principal & Interest: $5,855

Property taxes (est.): $1,574

Insurance (est.): $760

Estimated Total Monthly

$8,189

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$5,855

Property taxesest. at asking price, Nassau County$1,574

HOAbilled monthly$360

Estimated total, before insurance$7,789/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,004/yr · $1,167/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	$916,220	$890,558	—
2024	$809,598	$809,598	—
2023	$641,739	$316,450	—
2022	$532,535	$305,777	—
2021	$389,419	$295,415	—
2020	$385,570	$290,646	—

2025 property taxes (current owner): $14,004/yr

Estimated taxes if purchased at asking price: ~$18,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1991)

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: ~1,486 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

Price & status history

Jul 17, 2026Price change$1,140,000−$50,000
Jul 6, 2026Listed$1,190,000

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

Features

Price$1,140,000

Price / Sq Ft$612

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,863

Acres0.15 acres

Year Built1991

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1872 Oceanside Lane, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionOceanside

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,534 sq ft

Parcel Number00SB30152000150000

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate

Spa FeaturesCommunity