This home is in Fernandina Beach.
Pending·91 days on market
523 S 13th Terrace
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
When you can't decide between downtown and the beach, choose a home that puts you between both. Built in 2023, 523 S. 13th Terrace offers something increasingly difficult to find on Amelia Island: newer construction in an established in-town location with easy access to both historic downtown Fernandina Beach and Main Beach. Inside, vaulted ceilings and an open floor plan create a bright, airy feel, while the kitchen brings everyone together with quartz countertops, stainless steel appliances, generous cabinetry, and a spacious island. A dedicated office nook provides just enough separation for working from home without sacrificing an entire room. Upstairs, three bedrooms offer comfortable separation from the main living spaces, including a spacious primary suite designed as a quiet retreat at the end of the day. Outside, the fenced backyard and extended raised patio create room for morning coffee, weekend grilling, pets, or simply enjoying a Florida evening at home. A one-car garage a
Next steps in Amelia Island
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,616/yr
Estimated taxes if purchased at asking price: ~$8,900/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, NEFMLS.
History
Price & status history
- Sep 23, 2026Pending$535,000
- Sep 16, 2026Price change$535,000−$9,900
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $329/sq ft; this home is listed at $369/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $243 | 2/2 | 1,808 | 14 | 0.2 |
| 410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $410,000 | $315 | 3/2 | 1,303 | 8 | 0.3 |
| 704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $629,000 | $377 | 3/2.5 | 1,668 | 14 | 0.3 |
| 831 Division Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLC | May 2026 | $420,000 | $351 | 3/2 | 1,195 | 6 | 0.4 |
| 710 S 7th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | May 2026 | $450,000 | $324 | 3/2.5 | 1,391 | 0 | 0.5 |
| 1120 Natures Walk Drive A, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT | Jun 2026 | $419,000 | $329 | 2/2 | 1,274 | 12 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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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
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