Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Fernandina Beach High School.

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Active

Active·Listed today

418 S 8th Street

Fernandina Beach, FL 32034

$549,000$378/sqftEst. $2,799/moMLS# 2158048

Beds

Baths

1,454

Sq Ft

2023

Built

1.5

Garage

Pool

About this home

Fernandina Beach

Tucked along one of Amelia Island's most storied streets, where historic charm meets a curated, coastal energy and the best of Fernandina Beach isn't a drive away. It's a walk. Here, mornings begin with coffee and conversation. Evenings unfold over craft cocktails, and afternoons are spent wandering galleries, antique shops, and hidden treasures found only on the island. Why you'll love it: 2 bedrooms plus a dedicated office/flex space, 2.5 bathrooms, and 1,454 thoughtfully designed square feet. Built in 2023, so it's move-in ready with nothing to update. There's an oversized one-car garage with golf cart space, and it's less than 2 miles from the beach. The open floor plan and neutral palette create a bright, airy atmosphere. Features Iclude 10' ceilings up, 9' down, with ceiling fans in every room, superior Mohawk Revwood Plus plank flooring throughout, GE Café appliances in Matte White with brushed bronze hardware, gas double oven range with convection and More. Request a full list.

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,799

Principal & Interest: $2,799

Property taxes (est.): $758

Insurance (est.): $366

Estimated Total Monthly

$3,923

*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$2,799

Property taxesest. at asking price, Nassau County$758

HOAbilled monthly$130

Estimated total, before insurance$3,687/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,251/yr · $521/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,251/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,703 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

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 31, 2026Listed$549,000

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

Features

Price$549,000

Price / Sq Ft$378

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,454

Acres0.04 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleHalf Duplex

StatusActive

# of Garages1.5

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address418 S 8th Street, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionAmelia Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size1,742.4 sq ft

Parcel Number000031102500100000

ZoningResidential

Amenities

AmenitiesMaintenance Grounds

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringLaminate, Marble

# of Stories2

LevelsTwo

LaundryLower Level

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