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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 Fernandina Beach — a waterfront home in Nassau County.

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Sold

Sold·Closed Oct 5, 2026·2 days on market·Recent sales in Amelia Island

5383 Florence Point Drive

Fernandina Beach, FL 32034

$1,098,000sold priceListed at $1,150,000 · 95.5% of asking$598/sqftMLS# 2159242
3
Beds
2
Baths
1,835
Sq Ft
1993
Built
2
Garage
No
Pool
FEMA Zone XHOA $15/mo14,810 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fernandina Beach

There's a stretch of marsh on Amelia Island's south end where the light changes by the hour, and this Florence Point home was built to watch it happen. This 3 bedroom, 2 bath home captures sweeping 2 mile Intracoastal Waterway views right from the back deck, quickly becoming the spot for morning coffee or an evening watching the sun drop across the marsh. A durable metal roof, new HVAC in 2025, new Trex deck, new windows and doors, and storm shutters bring peace of mind, while a water purifier, termite bond, security system, newer appliances, double ovens, gas cooking, and included washer/dryer add everyday convenience. Custom closets, murphy bed, Rhino exterior paint, an irrigation well, a circular driveway, and a two car garage round out a home designed to make ownership easier to enjoy.

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$6,082
Property taxesest. at asking price, Nassau County$1,516
HOAbilled annually$15
Estimated total, before insurance$7,612/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,098,000
$219,600
Loan Term
Monthly Payment
$6,082
Principal & Interest: $6,082
Property taxes (est.): $1,516
Insurance (est.): $732
Estimated Total Monthly
$8,330
*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 A

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

Roof: Metal — year not disclosed (home built 1993)

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: ~1,226 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 5, 2026Closed$1,150,000
  • Aug 10, 2026Pending$1,150,000
  • Aug 8, 2026Listed$1,150,000

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 $360/sq ft; this home is listed at $627/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLCJun 2026$760,000$3603/32,1132040.4
1428 Plantation Oaks Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$742,000$4423/21,67820.7
4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$682,500$3403/2.52,0061751.3
4433 Bean Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPSep 2026$799,900$3473/2.52,304161.7
2415 Los Robles Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,000,100$4543/22,2021162.2

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$1,150,000
Price / Sq Ft$627
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,835
Acres0.34 acres
Year Built1993
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesSoutheast

School Information

Community Information

Address5383 Florence Point Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionFlorence Point
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size14,810.4 sq ft
Parcel Number000030025000110000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewIntracoastal
Waterfront TypeMarsh

Interior

Interior FeaturesPrimary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Dryer, Gas Range, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Exterior FeaturesStorm Shutters
Lot DescriptionFew Trees
Patio / PorchDeck, Rear Porch
RoofMetal
ConstructionFrame, Stucco
Road SurfaceAsphalt, Paved
Road FrontageCounty Road

Additional Information

Date ListedAugust 8, 2026
Days on Market2
HOA Fees$175 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 5, 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.

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20+ years · 500+ closings · NE Florida

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