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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Sandcastle Condo, Fernandina Beach — a home near Fernandina Beach High School.

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Sold

Sold·Closed Sep 8, 2026·13 days on market·Recent sales in Sandcastle Condo·Sandcastle Condo

223 Sandcastles Court

Fernandina Beach, FL 32034

$589,500sold priceListed at $599,000 · 98.4% of asking$683/sqftMLS# 2159820
1
Beds
1
Baths
863
Sq Ft
1982
Built
—
Garage
No
Pool

4 more homes for sale in Sandcastle Condo →Search Sandcastle Condo on the map

FEMA Zone XHOA $208/mo2.65 acresWaterfrontCondominium3 stories

About this home

Sandcastle Condo

3RD FLOOR OCEANFRONT VILLA within the gates of the prestigious Omni Amelia Island Plantation! Offered fully furnished and ready to rent or move in on closing day! Sandcastles Villas is one of the highest rental income producing complexes in the Amelia Island Plantation. A fabulous find for investors, this villa has been fully remodeled, including new lighting and fixtures, interior doors, and plantation shutters. Offering sweeping views of the Atlantic from ALL ROOMS! The living area includes a dining space with tray ceiling, and a fully equipped kitchen with stainless appliances, white cabinetry, granite counters, and breakfast bar. Enter into the spacious bedroom suite that offers balcony access and an en suite bath with new vanities and tub/shower combo. Tile flooring throughout the entire villa and a modern, beachy aesthetic enhances the appeal. Fantastic walkable location, in the complex adjacent to the Omni hotel and just a short walk or bike ride to the Plantation shops

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,265
Property taxesest. at asking price, Nassau County$814
HOAbilled annually$208
Estimated total, before insurance$4,287/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,072/yr · $673/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$589,500
$117,900
Loan Term
Monthly Payment
$3,265
Principal & Interest: $3,265
Property taxes (est.): $814
Insurance (est.): $393
Estimated Total Monthly
$4,472
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1982)

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: ~1,820 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$496,800$496,800—
2024$474,120$474,120—
2023$471,960$471,960—
2022$371,520$340,956—
2021$309,960$309,960—
2020$289,440$289,440—

2025 property taxes (current owner): $8,072/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

History

Price & status history

  • Sep 25, 2026Closed$599,000
  • Aug 24, 2026Active Under Contract$599,000
  • Aug 12, 2026Listed$599,000

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 $607/sq ft; this home is listed at $694/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
318 Sandcastles Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$665,000$6071/11,096100
1657 Sea Dunes Place, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYSep 2026$975,000$8712/21,120241
4800 Amelia Island Parkway B-102, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJul 2025$447,000$5791/17721052.3

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

Price$599,000
Price / Sq Ft$694
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage863
Acres2.65 acres
Year Built1982
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address223 Sandcastles Court, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionSandcastle Condo
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size115,434 sq ft
Parcel Number016N29V17B02130000
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Beach Access, Elevator(s), Gated, Jogging Path, Maintenance Grounds, Playground, Security, Trash
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewOcean, Water
Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringWood
# of Stories3

Exterior

Exterior FeaturesBalcony
ConstructionConcrete, Stucco

Additional Information

Date ListedAugust 12, 2026
Days on Market13
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
HOA NameSandcastles Vilals
Tax Amount$8,071.97
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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.

The neighborhood

About Sandcastle Condo

Sandcastle Condo is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Sandcastle Condo homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 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.

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