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This home is in Fernandina Beach.

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Active

Active·45 days on market

779 McSwain Road

Fernandina Beach, FL 32034

$624,900$387/sqftEst. $3,229/moMLS# 2157091

Beds

Baths

1,613

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

RARE 0.56-ACRE AMELIA ISLAND PROPERTY + BRAND-NEW LUXURY HOME! Discover a truly uncommon opportunity to own a beautifully appointed, brand-new 2026 home on over half an acre--a rare find for new construction in the Amelia Island/Fernandina Beach area. This is not your typical small-lot new build. Enjoy the space, privacy, flexibility, and possibilities that come with 0.56 acres. Built as a Cavco Homes Model Showcase for the 2026 International Builders' Show, this move-in-ready 3-bedroom, 2-bath home combines innovative construction with exceptional designer finishes. The interior features a complete Bosch stainless appliance package, 36'' induction range, built-in coffee system, microwave drawer, quartz countertops, custom Wetwall shower systems, premium Delta fixtures, upgraded doors and hardware, blinds, ceiling fans, Bosch ductless HVAC, and more. Washer/dryer and two Samsung 55'' TVs are included! Outside, the acreage truly shines! The property features full landscaping, a wood

Cost to own

Mortgage calculator

Home Price

$624,900

Down Payment: 20%

$124,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,229

Principal & Interest: $3,229

Property taxes (est.): $863

Insurance (est.): $417

Estimated Total Monthly

$4,508

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$3,229

Property taxesest. at asking price, Nassau County$863

Estimated total, before insurance$4,092/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: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,804 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

Price & status history

Sep 8, 2026Price change$624,900−$24,100
Jul 25, 2026Listed$649,000

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

Features

Price$624,900

Price / Sq Ft$387

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,613

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address779 McSwain Road, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionFernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number000030080000070150

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate

ParkingAdditional Parking, Detached, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms

AppliancesOther, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Water Heater, Induction Cooktop, Microwave, Refrigerator, Washer

CoolingMulti Units

FireplaceYes

# of Fireplaces1

Fireplace FeaturesOutside

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)