This home is in Fernandina Beach — an oceanfront condo on Amelia Island.
$1,049,0002 bd · 2 ba · 1,506 sq ft
Active·103 days on market
1138 Beach Walker Road 1138
Fernandina Beach, FL 32034
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
STUNNING & SPECTACULAR OCEANFRONT VIEWS FROM THIS TOP FLOOR UNIT. Gorgeous SUNRISES and COLORFUL BREATHTAKING SUNSETS await you! This FULLY FURNISHED 2 bed 2 bath unit also has a loft with 2 twin beds. The unit sleeps 6 very comfortably. The kitchen has SS appliances & granite countertops while encompassing a bright,open and welcoming floor plan overlooking the ATLANTIC OCEAN. The entry foyer includes a separate utility room. Enjoy the oceanfront balcony where you can savor the waves and the ocean breeze. Association fees covers Common Element Maintenance, Pool Service & Landscaping. Strong rental history through Destination Amelia.Gated; Realtors must be called through the gate.
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 (that applies to the reference bill above too).
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 (the whole 7-acre lot)
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 1974)
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: ~1,650 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Dune Walk 110about 0.9 mi · 19 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 3 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 3 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 3 mi · 4800 1st Coast Highway, 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $14,669/yr
Estimated taxes if purchased at asking price: ~$17,400/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
- Oct 16, 2026Active$1,049,000
- Oct 15, 2026Price change$1,049,000+$52,000
- Aug 26, 2026Active Under Contract$997,000
- Jul 26, 2026Listed$997,000
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 $630/sq ft; this home is listed at $697/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1169 Beach Walker Road 1169, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Feb 2026 | $1,000,000 | $611 | 4/4 | 1,636 | 12 | 0 |
| 1185 Beach Walker Road 1185, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2025 | $1,050,000 | $809 | 2/2 | 1,298 | 34 | 0 |
| 1391 Shipwatch Circle, Fernandina Beach, FL 32034Listed by COMPASS FLORIDA LLC | Jul 2026 | $965,000 | $764 | 2/2 | 1,263 | 54 | 0.2 |
| 1350 Shipwatch Circle, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Mar 2026 | $1,040,000 | $630 | 2/2 | 1,650 | 28 | 0.2 |
| 1334 Shipwatch Circle 1334, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jan 2026 | $810,000 | $593 | 2/2 | 1,367 | 24 | 0.2 |
| 1368 Shipwatch Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2025 | $850,000 | $609 | 2/2 | 1,395 | 106 | 0.2 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
Keep looking
More homes in Beach Walker Villas
For Sale1135 Beach Walker RoadFernandina Beach, FL 32034
3 bd · 2 ba · 1,467 sq ft
$1,200,000Est. $6,387/moBEACH WALKER VILLA WITH OCEAN & INTRACOASTAL VIEWS! Experience coastal living from this third-floor residence within…
Listing Office: amelia island real estate services
For Sale1190 Beach Walker RoadFernandina Beach, FL 32034
3 bd · 3 ba · 1,537 sq ft
$1,450,000Est. $7,718/moTHREE OUTDOOR LIVING SPACES & OCEAN VIEWS IN BEACH WALKER! The standout feature of this updated 3BR/3BA villa in Amelia…
Listing Office: amelia island real estate services
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines