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

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Active

Active·16 days on market

0 1st Avenue

Fernandina Beach, FL 32034

$699,999Est. $3,595/moMLS# 2158692

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Garage

Pool

About this home

Fernandina Beach

BUILD YOUR DREAM HOME in one of Amelia Island's most sought-after locations. This beautiful, high-and-dry wooded lot on desirable First Avenue offers the perfect setting for a custom coastal retreat with the potential for ocean views. Located just one block from Beach Access #39, you'll enjoy effortless walks to the sand and surf, along with easy access to the scenic River to Sea Trail for biking, running, and exploring the island. The City of Fernandina Beach Golf Course is just a short walk away, adding even more to this exceptional location. Surrounded by mature trees in a highly walkable and bikeable neighborhood, this rare homesite offers the ideal blend of natural beauty, privacy, and convenience. Whether you're envisioning a full-time residence or a luxurious beach getaway, opportunities like this on Amelia Island are increasingly hard to find. Come experience why First Avenue is one of the most desirable addresses on Fernandina Beach.

Cost to own

Mortgage calculator

Home Price

$699,999

Down Payment: 20%

$140,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,595

Principal & Interest: $3,595

Property taxes (est.): $966

Insurance (est.): $467

Estimated Total Monthly

$5,028

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,595

Property taxesest. at asking price, Nassau County$966

Estimated total, before insurance$4,561/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,109/yr · $592/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): $7,109/yr

Estimated taxes if purchased at asking price: ~$11,600/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

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: ~1,725 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