This home is in Fernandina Beach.

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1863 Highland Drive

Fernandina Beach, FL 32034

$610,000$406/sqftEst. $3,247/moMLS# 2155657

Beds

Baths

1,504

Sq Ft

1955

Built

Garage

Pool

About this home

Fernandina Beach

Set beneath a breathtaking canopy of majestic live oaks on a distinguished street on Amelia Island, 1863 Highland Drive captures the relaxed elegance and timeless charm, offering a rare combination of privacy, space, and an enviable coastal lifestyle. Constructed of enduring brick and thoughtfully designed for comfortable everyday living design, the home welcomes you with abundant natural light, beautiful hardwood floors, and a gracious single-story floor plan that feels both warm and inviting. Set well back from the quiet street and neighboring homes, the residence enjoys an exceptional sense of privacy, while expansive views through the home to the backyard create an immediate feeling of openness upon entering. A wide central hallway leads to three generously sized bedrooms, each featuring double closets for ample storage. Designed with both comfort and peace of mind in mind, significant recent improvements include a new roof and HVAC system installed in 2023, allowing

Cost to own

Mortgage calculator

Home Price

$610,000

Down Payment: 20%

$122,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,101

Principal & Interest: $3,101

Est. Taxes & Insurance: $775

Estimated Total Monthly

$3,876

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,247

Property taxesest. at asking price, Nassau County$842

Estimated total, before insurance$4,089/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, 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): $1,291/yr

Estimated taxes if purchased at asking price: ~$10,100/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1955)

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

Solar potential: ~1,317 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

Informational 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