This home is in Fernandina Beach.

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111 S 5th Street

Fernandina Beach, FL 32034

$1,165,000$529/sqftEst. $5,922/moMLS# 2156603

Beds

Baths

2,204

Sq Ft

1891

Built

—

Garage

Pool

About this home

Fernandina Beach

Step into the timeless charm of Historic Fernandina Beach with this beautifully preserved circa-1891 Victorian home in the heart of the Historic District, listed on the National Register of Historic Places. Just blocks from Centre Street, boutique shopping, waterfront dining, the marina, and Amelia Island's year-round festivals, this remarkable home blends historic craftsmanship with modern comfort. Offering more than 2,200 square feet, this 3-bedroom, 2-bath home showcases original heart pine floors, soaring 12-foot ceilings with crown molding, dramatic floor-to-ceiling parlor windows, and a stunning 21-riser hand-hewn staircase. Built using innovative balloon-frame construction, the home was designed for beauty and longevity. The historic dog-walk (dogtrot-style) interior passage reflects its architectural heritage, while the remodeled kitchen and adjoining living area provide an inviting space for everyday living and entertaining.

Cost to own

Mortgage calculator

Home Price

$1,165,000

Down Payment: 20%

$233,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,922

Principal & Interest: $5,922

Property taxes (est.): $1,608

Insurance (est.): $777

Estimated Total Monthly

$8,307

*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$5,922

Property taxesest. at asking price, Nassau County$1,608

Estimated total, before insurance$7,530/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): $14,813/yr

Estimated taxes if purchased at asking price: ~$19,300/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