This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active Under Contract·45 days on market
3024 S Fletcher Avenue A
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Experience OCEANFRONT LIVING in this BEAUTIFULLY UPDATED 3 BEDROOM, 3 BATHROOM townhome, centrally located on South Fletcher Avenue! Offering over 1,800 square feet of thoughtfully designed living space, this exceptional residence is ideal as a full-time home, vacation retreat, or investment property! The open-concept floor plan is designed to maximize the stunning Atlantic views while creating inviting spaces for everyday living and entertaining. The beautifully updated kitchen features marble countertops, a beverage cooler, and ample cabinetry, which flows perfectly into the dining and living areas. The spacious upstairs primary suite is a private retreat, complete with breathtaking ocean views that make every sunrise extra special! Two additional bedrooms and three full bathrooms provide comfortable accommodations for family and friends. Step outside and enjoy the coastal lifestyle you've been dreaming of with a private boardwalk leading directly to the beach. After a day on the
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $776,791 | $676,054 | — |
| 2023 | $704,907 | $654,907 | — |
| 2022 | $790,832 | $740,832 | — |
| 2021 | $665,972 | $624,903 | — |
| 2020 | $568,094 | $568,094 | — |
2025 property taxes (current owner): $12,710/yr
Estimated taxes if purchased at asking price: ~$23,100/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,792 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
- Jul 27, 2026Active Under Contract$1,395,000
- Jul 9, 2026Listed$1,395,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines