This home is in Fernandina Beach.

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Active·Listed today

1000 Date Street

Fernandina Beach, FL 32034

$474,000$444/sqftEst. $2,409/moMLS# 2156292

Beds

Baths

1,068

Sq Ft

1956

Built

—

Garage

Pool

About this home

Fernandina Beach

PRICED TO MOVE & MOVE-IN READY! Experience Amelia Island living for under $500K in this fully remodeled home packed with high-impact upgrades. Enjoy new flooring, an updated kitchen with stainless steel appliances, backsplash, and a large center island. Major updates include a 2022 roof, HVAC, water heater, and solar panels, plus energy-efficient windows installed in 2023. Professional structural improvements by Alpha Foundations provide added peace of mind. Updated bathrooms, a private outdoor shower, and a fully fenced, low-maintenance backyard with turf, gravel accents, stepping-stone paths, and a storage shed make island living easy. Wildlife and pest bond is transferable. Mostly furnished with ample parking. Just 0.5 miles to Historic Downtown Fernandina Beach and approximately 2 miles to Amelia Island beaches. Major updates are done, just move in and start living the island lifestyle!

Cost to own

Mortgage calculator

Home Price

$474,000

Down Payment: 20%

$94,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,409

Principal & Interest: $2,409

Property taxes (est.): $654

Insurance (est.): $316

Estimated Total Monthly

$3,380

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.55% · 30yr$2,409

Property taxesest. at asking price, Nassau County$654

Estimated total, before insurance$3,064/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	$331,909	$327,418	—
2024	$297,653	$297,653	—
2023	$279,404	$279,404	—
2022	$218,963	$218,963	—
2021	$120,027	$95,513	—
2020	$105,367	$86,830	—

2025 property taxes (current owner): $5,929/yr

Estimated taxes if purchased at asking price: ~$7,900/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 (2025), 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: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,658 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

As 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.

History