This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·93 days on market
714 S 14th Street
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Completely remodeled home on Amelia Island ! This 4 bedroom, 2 full bath home has been tastefully reimagined from top to bottom with new siding, new windows, new doors and millwork thoughout, smooth ceilings, on demand water heater, new kitchen appliances, soft close cabinets and drawers, full flooring replacement. French doors added leading to the new spacious rear deck, and all freshly painted interior. The backyard is large enough for a pool and/or a detached garage for additional parking or to enjoy swimming under the stars. Close to the amazing white sandy beaches and historic downtown Fernandina Beach with great local restaurants and live music, art galleries, shopping, and strolling the waterfront to catch the beautiful sunsets. Just a short drive to Jacksonville International Airport, Mayport NAS, Jax NAS, and Kings Bay.
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — year not disclosed (home built 1989)
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: ~1,729 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Beach access 1, Nassau St. & S Fletcher Ave.about 1 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 1 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 1 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 0.9 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 0.9 mi · 1385 Amelia Plaza, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:33 AM, sunset 6:47 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,804/yr
Estimated taxes if purchased at asking price: ~$10,900/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, NEFMLS.
History
Price & status history
- Sep 8, 2026Price change$659,900−$5,099
- Jul 21, 2026Listed$664,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $329/sq ft; this home is listed at $366/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $243 | 2/2 | 1,808 | 14 | 0.1 |
| 1602 Indigo Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Apr 2026 | $565,000 | $319 | 3/2 | 1,770 | 89 | 0.2 |
| 1624 Indigo Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Apr 2026 | $670,000 | $360 | 4/2 | 1,861 | 3 | 0.2 |
| 1833 Indigo Street, Fernandina Beach, FL 32034Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | May 2026 | $475,000 | $329 | 3/2 | 1,442 | 65 | 0.3 |
| 410 S 10th Street, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $410,000 | $315 | 3/2 | 1,303 | 8 | 0.4 |
| 226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $755,000 | $372 | 4/3 | 2,032 | 2 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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