This home is in Fernandina Beach.
Pending·91 days on market
779 McSwain Road
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
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
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.
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 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 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 13, S Fletcher Ave. & S. Jefferson Ave.4 min drive · 10 parking spaces
Closest park or preserve
Egans Creek Greenway7 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 2 mi · Egan's Creek
Closest grocery store
Aldi4 min drive · 947 Amelia Plz, 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.
History
Price & status history
- Sep 29, 2026Pending$624,900
- 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.
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 $351/sq ft; this home is listed at $387/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1535 Clinch Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2026 | $570,000 | $299 | 3/2 | 1,907 | 2 | 0.2 |
| 1874 Clinch Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $500,000 | $315 | 3/2 | 1,588 | 481 | 0.5 |
| 731 Wren Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Jun 2026 | $529,999 | $345 | 3/2.5 | 1,536 | 5 | 0.5 |
| 1512 Coastal Oaks Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $970,000 | $485 | 3/2.5 | 1,999 | 51 | 0.6 |
| 1505 Lakeside Court, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $830,000 | $436 | 3/2.5 | 1,902 | 143 | 0.7 |
| 831 Division Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLC | May 2026 | $420,000 | $351 | 3/2 | 1,195 | 6 | 0.8 |
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: FLORIDA HOMES REALTY & MTG LLC
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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