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Active Under Contract

Active Under Contract·Listed today

17 Harrison Creek Road

Fernandina Beach, FL 32034

$2,175,000$643/sqftEst. $11,090/moMLS# 2158440

Beds

Baths

3,383

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Welcome to this exceptional single-level residence in Amelia Island Plantation Resort--an Arthur Rutenburg custom design built in 2001 as the developer's own home. This 3BR/3BA split floor plan offers effortless single-level living. The primary suite is a true retreat, with two oversized walk-in closets, dual vanities, and a spa-inspired bath beneath a striking corner glass wall, plus an adjacent office/study. The open, gourmet kitchen is a chef's dream: GE Monogram six-burner gas cooktop, double wall convection ovens, matching-panel Monogram refrigerator, under-counter ice maker, and built-in Miele coffee maker. The living room opens to a screened outdoor living space with a summer kitchen and sparkling pool with fountain, ideal for year-round entertaining. Upgrades include a whole-home generator, custom plantation shutters, and built-in cabinetry throughout. A rare opportunity to own a distinctive, developer-built showcase home in one of Amelia Island's most desirable communities.

Cost to own

Mortgage calculator

Home Price

$2,175,000

Down Payment: 20%

$435,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$11,090

Principal & Interest: $11,090

Property taxes (est.): $3,003

Insurance (est.): $1,450

Estimated Total Monthly

$15,542

*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$11,090

Property taxesest. at asking price, Nassau County$3,003

HOAbilled annually$208

Estimated total, before insurance$14,301/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,720/yr · $1,143/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): $13,720/yr

Estimated taxes if purchased at asking price: ~$36,000/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

Aug 4, 2026Listed$2,175,000

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

Features

Price$2,175,000

Price / Sq Ft$643

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,383

Acres0.49 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

Community Information

Address17 Harrison Creek Road, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionAmelia Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size21,344.4 sq ft

Parcel Number016N29200000040000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingElectric

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne