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This home is in Fernandina Beach.

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Active

Active·45 days on market

19 S 19th Street

Fernandina Beach, FL 32034

$814,900$365/sqftEst. $4,185/moMLS# 2154300

Beds

Baths

2,230

Sq Ft

1959

Built

—

Garage

Yes

Pool

About this home

Fernandina Beach

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

Cost to own

Mortgage calculator

Home Price

$814,900

Down Payment: 20%

$162,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,185

Principal & Interest: $4,185

Property taxes (est.): $1,125

Insurance (est.): $543

Estimated Total Monthly

$5,853

*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$4,185

Property taxesest. at asking price, Nassau County$1,125

Estimated total, before insurance$5,310/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,399/yr · $283/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	$653,545	$173,970	—
2023	$593,813	$167,447	—
2022	$495,064	$161,114	—
2021	$431,299	$154,965	—
2020	$344,557	$152,135	—

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

Estimated taxes if purchased at asking price: ~$13,500/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 C

Zone C evacuates after zones A, B in an approaching storm.

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

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: ~1,673 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