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 waterfront home in Nassau County.

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Active

Active·1 day on market

4433 Bean Street

Fernandina Beach, FL 32034

$799,900$347/sqftEst. $4,078/moMLS# 2158302

Beds

Baths

2,304

Sq Ft

1991

Built

Garage

Pool

About this home

Fernandina Beach

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

Mortgage calculator

Home Price

$799,900

Down Payment: 20%

$159,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,078

Principal & Interest: $4,078

Property taxes (est.): $1,104

Insurance (est.): $533

Estimated Total Monthly

$5,716

*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$4,078

Property taxesest. at asking price, Nassau County$1,104

HOAbilled annually$28

Estimated total, before insurance$5,211/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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.

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.

History