This home is in Fernandina Beach.

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Active

Active·Listed today

779 McSwain Road

Fernandina Beach, FL 32034

$649,000$402/sqftEst. $3,309/moMLS# 2157091

Beds

Baths

1,613

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

One-of-a-kind Cavco Homes Model Showcase built for the 2026 International Builders' Show in Orlando, showcasing premium products and craftsmanship. This move-in ready 3BR/2BA home offers 1,613 SF on a beautifully landscaped .56 acre lot with desirable county zoning allowing short-term rentals. Luxury finishes include Wilsonart Quartz countertops, Wilsonart Wetwall shower systems, ChamClad Shadowline decorative panels, Diamond Kote siding, Delta fixtures, Prosoco AirDam air barrier system, 150-lb rated interior door hinges, blinds and ceiling fans throughout. The designer kitchen features a COMPLETE Bosch stainless steel appliance package, including a 7' tall 36'' Benchmark Built-in Bottom freezer French door refrigerator, 36'' 800 series induction range, Benchmark Anti-fingerprint dishwasher, Benchmark 36'' range hood, 800 series built-in coffee system, and 800 series microwave drawer. Efficient Bosch ductless mini-split HVAC systems, Bosch washer/dryer, and two included 55'' Samsung TVs

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,309

Principal & Interest: $3,309

Property taxes (est.): $896

Insurance (est.): $433

Estimated Total Monthly

$4,638

*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$3,309

Property taxesest. at asking price, Nassau County$896

Estimated total, before insurance$4,205/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

Jul 25, 2026Listed$649,000

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

Features

Price$649,000

Price / Sq Ft$402

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)