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Active

Active·46 days on market

523 S 13th Terrace

Fernandina Beach, FL 32034

$544,900$376/sqftEst. $2,798/moMLS# 2154960

Beds

Baths

1,448

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Downtown Fernandina Beach is more than a destination--it's a lifestyle. At 523 S. 13th Terrace, you're just minutes from Centre Street's restaurants, boutiques, waterfront sunsets, and the everyday charm that makes Amelia Island so special. Built in 2023, this thoughtfully designed home offers the perfect blend of modern construction and coastal convenience. Soaring ceilings create an open, airy feel, while the chef-inspired kitchen features quartz countertops, stainless steel appliances, and a generous island that naturally becomes the gathering place for family and friends. Upstairs, spacious bedrooms provide comfort and privacy, including a serene primary suite designed for relaxation at the end of the day. With all major systems new in 2023, you'll enjoy the peace of mind and low-maintenance lifestyle today's buyers are seeking. Step outside to a raised patio and fenced backyard, creating the perfect space for morning

Cost to own

Mortgage calculator

Home Price

$544,900

Down Payment: 20%

$108,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,798

Principal & Interest: $2,798

Property taxes (est.): $752

Insurance (est.): $363

Estimated Total Monthly

$3,914

*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$2,798

Property taxesest. at asking price, Nassau County$752

Estimated total, before insurance$3,551/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,616/yr · $551/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

2025 property taxes (current owner): $6,616/yr

Estimated taxes if purchased at asking price: ~$9,000/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, 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 — year not disclosed (home built 2023)

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

Solar potential: ~1,429 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Aug 13, 2026Price change$544,900−$5,000
Jul 11, 2026Listed$549,900

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

Features

Price$544,900

Price / Sq Ft$376

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,448

Acres0.06 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address523 S 13th Terrace, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size2,613.6 sq ft

Parcel Number000031180002410380

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Other

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryUpper Level