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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Parkway North, Fernandina Beach — a waterfront home in Nassau County.

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Sold

Sold·Closed Sep 22, 2026·16 days on market·Recent sales in Parkway North·Parkway North

4433 Bean Street

Fernandina Beach, FL 32034

$799,900sold priceListed at $799,900 · 100% of asking$347/sqftMLS# 2158302
3
Beds
2.5
Baths
2,304
Sq Ft
1991
Built
2
Garage
No
Pool

All Parkway North homes for sale →Search Parkway North on the map

FEMA Zone XHOA $28/mo15,246 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Parkway North

Just minutes from the beach, this spacious 3-bed, 2.5-bath home in desirable Parkway North offers the perfect blend of comfort, flexibility, and location. Situated on an oversized lot with peaceful pond views, you'll enjoy privacy & room to relax while being close to shopping, dining, & everything Amelia Island has to offer. Designed for easy living, the first-floor primary suite provides a private retreat with a generous walk-in closet & spacious bath featuring a soaking tub & separate shower. Multiple living & dining spaces create endless possibilities for entertaining, working from home, or simply spreading out. The bright, oversized kitchen overlooks the family room & backyard, while the approx. 300-square-foot sunroom (not included in the heated square footage) is the perfect spot for morning coffee, game nights, hobbies, or enjoying the tranquil pond views year-round. The soaring 10-foot ceilings on the main level & abundant natural light, offers incredible space and value.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,431
Property taxesest. at asking price, Nassau County$1,104
HOAbilled annually$28
Estimated total, before insurance$5,563/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,499/yr · $958/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$799,900
$159,980
Loan Term
Monthly Payment
$4,431
Principal & Interest: $4,431
Property taxes (est.): $1,104
Insurance (est.): $533
Estimated Total Monthly
$6,068
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1991)

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: ~1,541 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 August 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$638,052$638,052—
2024$618,775$176,954—
2023$600,604$170,052—
2022$556,149$167,851—
2021$367,403$161,346—
2020$345,289$158,352—

2025 property taxes (current owner): $11,499/yr

Estimated taxes if purchased at asking price: ~$13,300/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 (2025), NEFMLS.

History

Price & status history

  • Sep 22, 2026Closed$799,900
  • Aug 19, 2026Pending$799,900
  • Aug 3, 2026Listed$799,900

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 $371/sq ft; this home is listed at $347/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$682,500$3403/2.52,0061750.5
2415 Los Robles Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,000,100$4543/22,2021160.5
4919 Yachtsmans Drive, Fernandina Beach, FL 32034Listed by CRATEM REALTY COMPANYAug 2026$950,000$3714/32,55930.7
1428 Plantation Oaks Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$742,000$4423/21,67821
96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLCJun 2026$760,000$3603/32,1132041.4
3110 Egans Bluff Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$645,000$2493/22,590391.5

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

Price$799,900
Price / Sq Ft$347
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,304
Acres0.35 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address4433 Bean Street, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionParkway North
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size15,246 sq ft
Parcel Number000031163N00530000
ZoningResidential

Amenities

Community FeaturesCurbs
UtilitiesCable Available, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot, Dead End Street, Sprinklers In Front, Sprinklers In Rear
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 3, 2026
Days on Market16
HOA Fees$340 / Annually
HOA FrequencyAnnually
Tax Amount$11,499.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

The neighborhood

About Parkway North

Parkway North is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Parkway North homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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