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Active·Listed today

283 Sandcastles Court

Fernandina Beach, FL 32034

$915,000$677/sqftEst. $4,665/moMLS# 2156790
2
Beds
2
Baths
1,352
Sq Ft
1982
Built
—
Garage
No
Pool

About this home

Fernandina Beach

OCEANFRONT LIVING REFINED in this beautifully maintained 2-bedroom, 2-bath Sandcastles villa located within the gated Amelia Island Plantation. Featuring new luxury vinyl plank flooring (updated photos coming soon), updated kitchen and bathrooms, and breathtaking Atlantic Ocean views, this fully furnished villa offers the perfect blend of coastal comfort and investment potential. Designed with a versatile lock-off floor plan, each side can be rented independently, creating flexibility for personal use, hosting, or maximizing rental income. Each bedroom features its own balcony overlooking the Atlantic Ocean, providing the perfect setting to enjoy spectacular sunrises. The villa can capitalize currently being in The Villas of Amelia Island Rental Program, offering professional rental opportunities and granting guests access to Omni Amelia Island Resort & Spa amenities. Inquire for additional information regarding Amelia Island Club membership opportunities.

Cost to own

Mortgage calculator

$915,000
$183,000
Loan Term
Monthly Payment
$4,665
Principal & Interest: $4,665
Property taxes (est.): $1,263
Insurance (est.): $610
Estimated Total Monthly
$6,538
*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$4,665
Property taxesest. at asking price, Nassau County$1,263
HOAbilled annually$208
Estimated total, before insurance$6,137/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,809/yr · $984/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,809/yr

Estimated taxes if purchased at asking price: ~$15,200/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

  • Jul 23, 2026Listed$915,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$915,000
Price / Sq Ft$677
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,352
Year Built1982
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesEast

Community Information

Address283 Sandcastles Court, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionSandcastle Condo
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number016N29V17A02550000

Amenities

AmenitiesPool, Beach Access, Elevator(s), Gated, Maintenance Grounds, Trash, Water
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewBeach, Ocean
Waterfront TypeOcean Access, Ocean Front

Interior

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
SecuritySecurity Gate
Spa FeaturesCommunity

Exterior

Exterior FeaturesBalcony, Outdoor Shower
Patio / PorchCovered

Additional Information

Date ListedJuly 23, 2026
Days on Market2
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
HOA NameSandcastles Villas Association
HOA Fee IncludesSewer, Trash, Water
Tax Amount$11,809.48
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke - Broker Associate

Krista Fracke

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