This home is in Fernandina Beach.

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Active·Listed today

2011 Ryan Road

Fernandina Beach, FL 32034

$649,000$368/sqftEst. $3,309/moMLS# 2157100

Beds

Baths

1,764

Sq Ft

2025

Built

Garage

Pool

About this home

Fernandina Beach

Experience coastal charm, modern luxury, and thoughtful design in this almost new 3-bedroom, 2.5-bath townhome, ideally located just .5 mile from Amelia Island's pristine beaches. Situated in the exclusive BREAKERS Townhomes community with only 12 residences, this exceptional home is the only unit offering a spacious 2-car garage. Designed for effortless living and entertaining, the outdoor space features a screened porch overlooking native Florida landscaping, expansive Trex deck, paver grill patio, and ambient string lighting--perfect for relaxing after a day at the beach. The luxurious owner's suite is a private retreat with a separate flex room ideal for a home office, nursery, or sitting area. The en-suite bath includes a generous walk-in closet, illuminated vanity mirror, and spa-inspired wet room with a vessel-style jetted soaking tub and walk-in shower. The chef's kitchen showcases Quartz countertops, a large L-shaped island with built-in banquette seating, cabinet pantry

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

HOAbilled annually$150

Estimated total, before insurance$4,355/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2025)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,677 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$368

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,764

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleVilla

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2011 Ryan Road, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionFernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number293N28060200120000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Gated

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Dryer, Gas Oven, Gas Range, Tankless Water Heater, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet

# of Stories2

LevelsTwo