This home is in Fernandina Beach.

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19 S 19th Street, Fernandina Beach, FL 32034

$839,000

MLS# 2154300

Bedrooms

Bathrooms

2,230

Sq Ft

1959

Year Built

About This Home — 19 S 19th Street

Some homes invite you to slow down and enjoy island life. This well-maintained mid-century modern home on Amelia Island offers the opportunity to move in today while creating your own vision for tomorrow. Set on a .34-acre corner lot just off Atlantic Avenue, 19 S. 19th Street places you minutes from Amelia Island's beaches and the restaurants, boutiques, and waterfront charm of historic downtown Fernandina Beach. Designed for single-level living, this mid-century modern home is rich with character. Original parquet wood floors add warmth and authenticity, while the spacious layout offers the perfect canvas to make it your own. The kitchen features granite countertops and stainless steel appliances, while the adjoining dining room centers around a wood-burning fireplace that naturally brings family and friends together. The primary suite includes a generous walk-in closet with space for a home office, dressing area, or fitness room. Three additional bedrooms provide flexibility for

Features

Price$839,000

Price / Sq Ft$376

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,230

Acres0.34 acres

Year Built1959

TypeResidential

Sub-TypeSingle Family Residence

StyleOther, Mid-Century Modern

StatusActive

# of Carport Spaces2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Community Information

Address19 S 19th Street, Fernandina Beach, FL 32034

Area420-Fernandina Beach-Downtown-East

SubdivisionFernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,810.4 sq ft

Parcel Number000031160002300040

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached Carport, Covered

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesOther

# of Stories1

LevelsOne

LaundryIn Unit

Exterior

Lot DescriptionCorner Lot

Patio / PorchFront Porch

FencingBack Yard, Vinyl, Wire

RoofShingle, Other

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 8, 2026

Days on Market6

Tax Amount$3,398.61

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Mortgage Calculator

Home Price

$839,000

Down Payment: 20%

$167,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$4,466

Principal & Interest: $4,466

Est. Taxes & Insurance: $1,116

Estimated Total Monthly

$5,582

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$4,466

Property taxesest. at asking price, Nassau County$1,154

Estimated total, before insurance$5,619/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Taxes & Assessment

2025 property taxes (current owner): $3,399/yr

Estimated taxes if purchased at asking price: ~$13,800/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 502 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle, Other — year not disclosed (home built 1959)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.