This home is in Fernandina Beach.
Sold·Closed Sep 3, 2026·3 days on market·Recent sales in Amelia Island
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.
Next steps in Amelia Island
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1979)
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: ~1,693 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 homeAs 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
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
- Sep 3, 2026Closed$1,199,000
- Aug 12, 2026Pending$1,199,000
- Aug 8, 2026Listed$1,199,000
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 $397/sq ft; this home is listed at $471/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $755,000 | $372 | 4/3 | 2,032 | 2 | 0.4 |
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 0.5 |
| 212 S 6th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2026 | $1,000,000 | $397 | 3/2 | 2,516 | 51 | 0.7 |
| 1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $243 | 2/2 | 1,808 | 14 | 0.7 |
| 865 Laguna Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $750,000 | $397 | 3/2.5 | 1,887 | 75 | 1 |
| 1012 Ocean Oaks Drive S, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $1,425,000 | $540 | 4/3 | 2,640 | 16 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 3, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines