This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·1 day on market
1878 Carnation Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Looking for the perfect spot to put down roots? This POPULAR Amelia Park Town-Home, known for it's Residential Urbanism has 3-bed/2.5-baths. It CHECKS ALL the BOXES for Singles, Professionals, Couples & Growing Families, and it comes with a serious bonus: Nassau County schools are ranked #1 in the entire state. Yep, #1. That's the kind of PEACE of MIND every parent wants . BEAUTIFULLY MAINTAINED -- NEWER ROOF hardwood floors, crown molding, and high ceilings that make the living room feel BRIGHT and OPEN the moment you walk in. Head upstairs (runner-lined stairs, because details matter) and you'll find all three bedrooms tucked away for everyone's own space. The kitchen is MADE for REAL LIFE -- granite counters, white cabinets, a breakfast bar for quick lunches or homework time, and every appliance included, right down to the washer and dryer. Less to buy, LESS TO WORRY ABOUT, More TIME for what MATTERS. Outside, the fenced courtyard with its own gazebo is begging for backyard cookouts
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $484,582 | $227,755 | — |
| 2024 | $468,340 | $220,629 | — |
| 2023 | $448,725 | $212,747 | — |
| 2022 | $361,754 | $205,094 | — |
| 2021 | $295,231 | $197,664 | — |
| 2020 | $265,692 | $194,245 | — |
Estimated taxes if purchased at asking price: ~$11,000/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 (2025), 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 2000)
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: ~1,783 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.
History
Price & status history
- Aug 12, 2026Price change$664,900+$5,000
- Aug 12, 2026Listed$659,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH 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
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
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