This home is in Fernandina Beach.
Active·Listed today
1012 Ocean Oaks Drive S
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Walk to the waves in 5 minutes! Welcome to your private coastal sanctuary in Fernandina Beach. Situated on a rare, mature nearly half-acre lot, this premier residence provides the ultimate island lifestyle with unbeatable beach proximity. Spanning nearly 2,700 sq ft, this 4-bedroom, 3-bath home balances open entertaining with quiet retreats. Features include a wood-burning fireplace, a dedicated home office, and a sunlit sitting room. The primary suite boasts dual walk-in closets and a spa-like jetted tub. Step outside into your private paradise. A massive, fully screened lanai houses a low-maintenance saltwater pool. Enjoy unmatched backyard privacy surrounded by mature trees, where you can hear the ocean waves at night. Outdoor enthusiasts will love being a 5-minute walk from Egan's Creek Greenway trails. Extras include a 2-car garage with Shark Floor Coating, a paver driveway, and low HOA fees.
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
2024 property taxes (current owner): $7,384/yr
Estimated taxes if purchased at asking price: ~$23,600/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 (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: material not specified — year not disclosed (home built 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,741 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 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 13, 2026Listed$1,425,000
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: BEYCOME OF FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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