This home is in Fernandina Beach.
Active·1 day on market
704 S 9th Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
NEW CONSTRUCTION on Island with TWO CAR GARAGE. Lock and Go on the Island. Designer Like finishing touches. Kitchen features quartz countertops, s/s appliances, accent counter lighting, eat at island, plus dining area. All windows and doors have been trimmed with casing not just drywall, smooth ceilings throughout, designer lighting and mirrors, 9 ft ceilings and 8 ft doors. Elevator shaft pre constructed, large closet on 1st and 2nd floor for future installation if buyer desires. French Doors open to the Primary Bedroom with lots of light, bath w/oversized shower and dual shower heads (polished nickel finish) and there is an access to their own balcony. Custom closet shelving in bedrooms, separate linen closet, LVP floors throughout. Outside: hardy board siding, all outdoor ceilings stained with tongue and groove ceilings. Balcony off the primary bedroom, lower level covered patio and yard featuring synthetic turf (no grass cutting) see more
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $901/yr
Estimated taxes if purchased at asking price: ~$10,400/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: Metal — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,497 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 12, 2026Listed$629,000
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: PINEYWOODS REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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