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.

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Active

Active·Listed today

22 N 4th Street

Fernandina Beach, FL 32034

$1,649,000$440/sqftEst. $8,504/moMLS# 2159298

Beds

Baths

3,745

Sq Ft

1911

Built

Garage

Pool

About this home

Fernandina Beach

Step into timeless grandeur with this meticulously renovated 1883 residence in the heart of Amelia Island. Boasting 4 bedrooms, 3 baths, and 3,745 sq ft of living space, this historic home blends old-world charm with modern convenience. A comprehensive renovation revitalized every corner, while the addition of an elevator enhances accessibility throughout the multi-level design. Flexible C-3 zoning allows a variety of uses and the option to rent the rear space for additional income. Nestled at 22 North 4th Street in the Fernandina Beach Historic District, enjoy walkable access to the riverfront, beach, dining, and boutique shopping. With its perfect fusion of vintage elegance and contemporary comfort, this property offers endless possibilities for living, working, or investing in the island's most coveted location.

Cost to own

Mortgage calculator

Home Price

$1,649,000

Down Payment: 20%

$329,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$8,504

Principal & Interest: $8,504

Property taxes (est.): $2,277

Insurance (est.): $1,099

Estimated Total Monthly

$11,880

*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$8,504

Property taxesest. at asking price, Nassau County$2,276

Estimated total, before insurance$10,780/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,323/yr · $360/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): $4,323/yr

Estimated taxes if purchased at asking price: ~$27,300/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.

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: Metal — year not disclosed (home built 1911)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,769 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

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 8, 2026Listed$1,649,000

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

Features

Price$1,649,000

Price / Sq Ft$440

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,745

Total Structure Area3,169 sq ft

Acres0.12 acres

Year Built1911

TypeResidential

Sub-TypeSingle Family Residence

StyleVictorian

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address22 N 4th Street, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size5,227.2 sq ft

Parcel Number000031180000230050

ZoningCommercial

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Detached, Garage

ViewRiver

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Eat-in Kitchen, Elevator, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Range, Refrigerator, Washer, Water Softener Rented

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces2

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Leased