This home is in Fernandina Beach.
Active·46 days on market
1745 Pheasant Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
This upgraded pool home on Amelia Island features no hoa, and offers the perfect opportunity for an island-style primary residence or a lucrative short term rental. Home can be sold fully furnished. Nestled at the end of a quiet street in a well-established neighborhood. Maintain your privacy as this island oasis backs directly up to a protected maritime forest. This charming 3-bedroom, 2-bathroom home spans 1,501 sqft and boasts a newer 2020 roof, with framing studded for 2-story potential. New windows installed in 2025. New Salt System for the pool installed in 2024 making the pool easy to maintain. Inside, you will find an open-concept living space seamlessly converted from a previous garage. Kitchen features color changing LED lighting around ceiling moulding. Both Bathrooms have received a total of $20k upgrade with new shower, tub and surrounds. Outside features an enclosed pool and patio with a water feature and a spacious .27 acre lot with a fully fenced back yard and plenty of
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $545,000 in March 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $394,058 | $87,998 | — |
| 2023 | $346,225 | $83,979 | — |
| 2022 | $359,260 | $80,077 | — |
| 2021 | $254,784 | $76,288 | — |
| 2020 | $226,348 | $74,544 | — |
2025 property taxes (current owner): $6,340/yr
Estimated taxes if purchased at asking price: ~$9,900/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 (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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Public water (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: ~1,587 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 homeAs 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
- Aug 21, 2026Active$599,900
- Aug 7, 2026Active Under Contract$599,900
- Jul 9, 2026Listed$599,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REDFIN CORPORATION
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Fernandina Beach
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines