This home is in Fernandina Beach.

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2753 Amelia Road

Fernandina Beach, FL 32034

$645,000$461/sqftEst. $3,433/moMLS# 2155736

Beds

Baths

1,400

Sq Ft

1940

Built

—

Garage

Pool

About this home

Fernandina Beach

Investor alert! Situated on almost an acre with no HOA, this property offers the opportunity to renovate and create your estate-size retreat. You may choose to live in the charming 1940s home while you build, or tear down both structures and split into two lots. Features include a newer HVAC, new windows, and a large unfinished attic with expansion potential. A detached former milk house provides additional storage or workshop space and adds to the property's unique character. Enjoy vintage charm blended with modern updates, a cozy gas stove, and mature trees throughout the grounds. Zoned for A-rated Nassau County Schools and conveniently located near The Omni Resort, local airport, dog park, historic downtown, and Amelia Island beaches. This is a rare find in a prime location--schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$645,000

Down Payment: 20%

$129,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,278

Principal & Interest: $3,278

Est. Taxes & Insurance: $820

Estimated Total Monthly

$4,098

*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$3,433

Property taxesest. at asking price, Nassau County$890

Estimated total, before insurance$4,323/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

Year	Market value	Taxable value	Change
2025	$404,444	$46,443	—
2024	$385,715	$44,286	—
2023	$335,705	$41,394	—
2022	$242,588	$43,086	—
2021	$177,296	$40,360	—
2020	$148,179	$39,606	—

2024 property taxes (current owner): $969/yr

Estimated taxes if purchased at asking price: ~$10,700/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 (2025), 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 1940)

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

Solar potential: ~1,661 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 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