This home is in Fernandina Beach.

1 / 37

Active

Active·2 days on market

1332 Shipwatch Circle

Fernandina Beach, FL 32034

$1,425,000$794/sqftEst. $7,266/moMLS# 2156377

Beds

Baths

1,794

Sq Ft

1975

Built

—

Garage

Pool

About this home

Fernandina Beach

Experience ultimate oceanfront living at 1332 Shipwatch Circle, a rare 3-bedroom villa within the prestigious gated Amelia Island Plantation. Designed to maximize coastal views, the light-filled floor plan features a formal dining area, breakfast nook, and bright kitchen with white cabinetry, granite countertops, pantry, and ocean views. Large glass sliders open to a private covered balcony overlooking the Atlantic, the perfect place to enjoy sunrise. The layout includes two spacious ensuite bedrooms with walk-in closets, plus a versatile third bedroom. Shipwatch amenities include an oceanfront pool, direct beach access, outdoor showers, foot rinse, picnic tables, gas grills, and a pet-friendly walking area. Offered furnished, this villa is ideal as a primary residence or investment property and is eligible for The Villas of Amelia Island Rental Program, providing guests access to exclusive Omni Resort amenities.

Cost to own

Mortgage calculator

Home Price

$1,425,000

Down Payment: 20%

$285,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,266

Principal & Interest: $7,266

Property taxes (est.): $1,967

Insurance (est.): $950

Estimated Total Monthly

$10,183

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$7,266

Property taxesest. at asking price, Nassau County$1,967

HOAbilled monthly$2,500

Estimated total, before insurance$11,733/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1975)

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: ~1,746 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