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This home is in Fernandina Beach — a waterfront home in Nassau County.

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Active

Active·45 days on market

1209 Manucy Road

Fernandina Beach, FL 32034

$1,975,000$1030/sqftEst. $10,143/moMLS# 2154069

Beds

Baths

1,918

Sq Ft

1984

Built

Garage

Pool

About this home

Fernandina Beach

Long after the pirates left Fernandina Beach, one treasure remains remarkably rare: a private deep-water dock on the Nassau River. Beneath the majestic live oaks of a designated Canopy Road, this concrete block waterfront home offers one of the few island properties with constant deep-water access. Spend your days boating the Intracoastal Waterway, exploring Cumberland Sound, or heading to the Atlantic Ocean, then return home to breathtaking western sunsets that set the Nassau River ablaze with color. Inside, timeless terrazzo floors, warm wood accents, and a striking wood-burning fireplace provide the perfect foundation for your own vision. Offering an exceptional opportunity to personalize, the true luxury lies outside--towering live oaks draped in Spanish moss, abundant wildlife, ever-changing river views, and an irreplaceable waterfront setting where boating, nature, and spectacular sunsets define the Florida lifestyle. The bulkhead needs restoration, estimate in documents

Cost to own

Mortgage calculator

Home Price

$1,975,000

Down Payment: 20%

$395,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$10,143

Principal & Interest: $10,143

Property taxes (est.): $2,727

Insurance (est.): $1,317

Estimated Total Monthly

$14,186

*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$10,143

Property taxesest. at asking price, Nassau County$2,727

Estimated total, before insurance$12,870/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,204/yr · $267/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	$979,572	$222,943	—
2023	$970,809	$214,848	—
2022	$923,644	$211,488	—
2021	$891,948	$203,857	—
2020	$771,808	$200,345	—

2025 property taxes (current owner): $3,204/yr

Estimated taxes if purchased at asking price: ~$32,700/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 A

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

Roof: Shingle — year not disclosed (home built 1984)

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

Septic system (public record) · Private well (public 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: ~1,607 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 6, 2026Listed$1,975,000

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

Features

Price$1,975,000

Price / Sq Ft$1,030

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,918

Total Structure Area2,647 sq ft

Acres0.11 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address1209 Manucy Road, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionMetes & Bounds

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size4,791.6 sq ft

Lot Dimensions100 x 255

Parcel Number00-00-30-0760-0005-0090

ZoningResidential

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingGarage

ViewRiver, Trees/Woods

Waterfront TypeNavigable Water, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTerrazzo

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit