This home is in Fernandina Beach.
Active·Listed today
1606 Atlantic Avenue
Fernandina Beach, FL 32034
About this home
Fernandina Beach
There's a corner in Fernandina Beach where the whole island feels within reach, and this brick one level pool home sits right in the middle of it, set on a double lot spanning nearly half an acre. Historic Downtown is one way, Main Beach the other, with Egan's Creek Greenway, Fort Clinch, and three parks all close by. This one has been renovated with real attention to detail and is a host's dream! Three bedrooms, three baths, all on one floor, with a working wood burning fireplace and plaster finish anchoring the living space, and a large, sunny dayroom just off the pool deck with a triple slider that opens the whole space up. New plumbing, an updated HVAC system, and new windows round out the big ticket updates, and the kitchen has been completely reimagined with new cabinetry, all new LG appliances, and a scullery for extra prep space and storage, while the bathrooms feature fully updated custom tile throughout. Outside is where this one really stands out.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1979)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,693 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 homeThis 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 8, 2026Listed$1,199,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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