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.

1 / 41

Active

Active·3 days on market

1385 Shipwatch Circle

Fernandina Beach, FL 32034

$995,000$788/sqftEst. $5,131/moMLS# 2158599

Beds

Baths

1,263

Sq Ft

1975

Built

—

Garage

Pool

About this home

Fernandina Beach

Wake up to breathtaking sunrises and the soothing ocean breeze from this furnished third-floor condo, nestled within a prestigious gated community in Amelia Island Plantation. Designed for effortless living, this retreat features an open floor plan with abundant natural light and unobstructed beachfront views from the living room and private balcony. Elegant luxury vinyl plank flooring flows throughout, while the well-appointed kitchen offers stainless steel appliances, solid wood cabinetry, and a built-in wine fridge for easy entertaining. The spacious primary suite boasts abundant closet space and private balcony access overlooking the ocean, while the generous guest bedroom provides comfort for family and guests. A convenient in-unit laundry room adds everyday functionality. Within walking distance are the resort-style amenities of the Omni Amelia Island Resort, featuring a refreshing pool, championship golf, and more! Residents enjoy a luxurious coastal lifestyle with direct

Cost to own

Mortgage calculator

Home Price

$995,000

Down Payment: 20%

$199,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,131

Principal & Interest: $5,131

Property taxes (est.): $1,374

Insurance (est.): $663

Estimated Total Monthly

$7,168

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$5,131

Property taxesest. at asking price, Nassau County$1,374

HOAbilled monthly$1,018

Estimated total, before insurance$7,523/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,298/yr · $1,108/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): $13,298/yr

Estimated taxes if purchased at asking price: ~$16,500/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1975)

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: ~1,746 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

Price & status history

Aug 5, 2026Listed$995,000

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

Features

Price$995,000

Price / Sq Ft$788

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,263

Year Built1975

TypeResidential

Sub-TypeCondominium

StyleOther

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address1385 Shipwatch Circle, Fernandina Beach, FL 32034

Area460-Amelia Island Plantation

SubdivisionShip Watch

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number016N29V12013850000

ZoningCondominium

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Launch, Elevator(s), Gated, Jogging Path, Maintenance Grounds, Pickleball, Playground, Security, Trash, Water

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Parking Lot, Unassigned

ViewBeach, Trees/Woods, Water