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714 S 14th Street

Fernandina Beach, FL 32034

$664,999$369/sqftEst. $3,380/moMLS# 2156445

Beds

Baths

1,803

Sq Ft

1989

Built

—

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$664,999

Down Payment: 20%

$133,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,380

Principal & Interest: $3,380

Property taxes (est.): $918

Insurance (est.): $443

Estimated Total Monthly

$4,742

*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$3,380

Property taxesest. at asking price, Nassau County$918

Estimated total, before insurance$4,298/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): $5,804/yr

Estimated taxes if purchased at asking price: ~$11,000/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: 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 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