This home is in Fernandina Beach.

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Active·1 day on market

2840 Ferdinand Court

Fernandina Beach, FL 32034

$849,900$337/sqftEst. $4,320/moMLS# 2156342

Beds

Baths

2,524

Sq Ft

2014

Built

Garage

Pool

About this home

Fernandina Beach

Move-in ready 4-bedroom, 3-bathroom home offering 2,524 square feet of thoughtfully designed single-story living in the sought-after Isle de Mai community. Fresh interior paint, new bedroom flooring, and refreshed landscaping create a bright, welcoming feel. The desirable split floor plan features a private primary suite, three guest bedrooms, and a versatile bonus room that can be tailored to your lifestyle. The open-concept living and dining areas flow seamlessly to the screened lanai overlooking the beautifully landscaped backyard--perfect for relaxing or entertaining. Additional highlights include a three-car garage, a community pool, and an exceptional location just minutes from Amelia Island's beaches, historic downtown Fernandina Beach, shopping, dining, and scenic walking and biking trails.

Cost to own

Mortgage calculator

Home Price

$849,900

Down Payment: 20%

$169,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,320

Principal & Interest: $4,320

Property taxes (est.): $1,173

Insurance (est.): $567

Estimated Total Monthly

$6,060

*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$4,320

Property taxesest. at asking price, Nassau County$1,173

HOAbilled annually$58

Estimated total, before insurance$5,552/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): $9,440/yr

Estimated taxes if purchased at asking price: ~$14,100/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.

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: material not specified — year not disclosed (home built 2014)

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 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