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·3 days on market

1769 S 15th Street

Fernandina Beach, FL 32034

$850,000$476/sqftEst. $4,374/moMLS# 2159403

Beds

Baths

1,784

Sq Ft

2015

Built

Garage

Pool

About this home

Fernandina Beach

Immaculate Amelia Park Craftsman Cottage. 3 BR and 2 BA with 1784 SF and a 2 car garage. One of the most sought after communities on the Island. Close to downtown, the beaches and shopping. Enjoy a central park, walking trails and multiple lakes. The house has loads of upgrades and shows like a model home. This is definitely worth a look.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$4,374

Principal & Interest: $4,374

Property taxes (est.): $1,173

Insurance (est.): $567

Estimated Total Monthly

$6,114

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$4,374

Property taxesest. at asking price, Nassau County$1,173

HOAbilled annually$72

Estimated total, before insurance$5,620/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,706/yr · $642/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): $7,706/yr

Estimated taxes if purchased at asking price: ~$14,100/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2015)

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

Solar potential: ~1,786 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

Price & status history

Aug 10, 2026Listed$850,000

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

Features

Price$850,000

Price / Sq Ft$476

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,784

Acres0.14 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Craftsman

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryAtlantic

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address1769 S 15th Street, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionAmelia Park

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,098.4 sq ft

Lot Dimensions45 X 132

Parcel Number000031102D00030040

ZoningResidential

Amenities

AmenitiesDog Park, Jogging Path, Maintenance Grounds, Management - Off Site, Park

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Off Street, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)