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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 Oceanside, Fernandina Beach.

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Active

$850,0003 bd · 1.5 ba · 1,250 sq ft

Active·26 days on market·Oceanside

2734 Ocean Drive

Fernandina Beach, FL 32034

$850,000$680/sqftEst. $4,607/mo mortgageMLS# 2159830
3
Beds
1.5
Baths
1,250
Sq Ft
1991
Built
—
Garage
No
Pool

2 more homes for sale in Oceanside →Search Oceanside on the map

FEMA Zone XNo HOA6,098 sqft lotTownhouse2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Oceanside

Just a quick jaunt to the stunning beaches of Amelia Island, this duplex offers the kind of coastal lifestyle that most people only dream about. Close enough to catch the sound of the waves on a quiet evening or early morning, yet perfectly positioned to enjoy everything this remarkable island has to offer. Centrally located on the island, you are moments from the charm of historic downtown Fernandina Beach - where tree-lined streets invite you to stroll, browse boutique shops, dine at locally beloved restaurants, and watch breathtaking sunsets melt over the Intracoastal Waterway. Fort Clinch State Park is just down the road, offering a living piece of Civil War history with engaging reenactments, living history events, and miles of bike trails winding beneath a canopy of massive and centuries-old live oak trees. This attached townhome-style duplex features two mirrored floor plans. Both units have large kitchens with updated shaker cabinets and a charming bay window - ideal as a

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$4,607
Property taxesest. at asking price, Nassau County$1,138
Estimated total, before insurance$5,744/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,139/yr · $512/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

$850,000
$170,000
Loan Term
Monthly Payment
$4,607
Principal & Interest: $4,607
Property taxes (est.): $1,138
Insurance (est.): $567
Estimated Total Monthly
$6,311
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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: Shingle — year not disclosed (home built 1991)

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

Sewer · Nassau County Utilities GDB - CITY OF FERNANDINA BEACH · Public water (record)

County records show this parcel on central sewer served by Nassau County Utilities GDB - CITY OF FERNANDINA BEACH — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,733 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:52 AM, sunset 5:29 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$386,523$353,245—

2025 property taxes (current owner): $6,139/yr

Estimated taxes if purchased at asking price: ~$13,700/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Oct 19, 2026Active$850,000
  • Oct 19, 2026Withdrawn$850,000
  • Aug 12, 2026Listed$850,000

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 $533/sq ft; this home is listed at $680/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2700 Mizell Avenue 402B, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTYAug 2025$375,000$3502/21,072680.2
2886 Forest Ridge Drive U6, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYMar 2026$372,000$3653/21,019600.3
2696 Forest Ridge Drive A-6, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYNov 2025$355,000$3483/21,0192820.3
3240 Fletcher Avenue 560, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYFeb 2026$750,000$6412/21,170210.5
3240 Fletcher Avenue 665, Fernandina Beach, FL 32034Listed by FLATFLEE.COM INCJan 2026$850,000$5333/21,5961380.5
3350 S Fletcher Avenue F7, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC.May 2026$685,000$6062/21,130840.6

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$850,000
Price / Sq Ft$680
Bedrooms3
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,250
Acres0.14 acres
Year Built1991
TypeResidential
Sub-TypeTownhouse
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

This listingNo schools reported in the MLS
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2734 Ocean Drive, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionOceanside
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size6,098.4 sq ft
Lot Dimensions60'x105'
Parcel Number000031155000240000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Patio / PorchDeck
RoofShingle
ConstructionFrame, Stucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 19, 2026
Days on Market26
Tax Amount$6,139.14
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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 Oceanside

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

View all Oceanside homes for sale →
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