This home is in Fernandina Beach.
$1,349,0003 bd · 3 ba · 3,300 sq ft
Active·27 days on market
829 N Fletcher Avenue
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Discover coastal living on the sought-after North End of Amelia Island, where beautiful beaches, Fort Clinch State Park, and historic downtown Fernandina Beach are part of everyday life. Just a short distance from two public beach accesses, 829 N Fletcher Avenue combines space, thoughtful design, and extensive recent improvements. Built in 2015, this beautifully maintained 3-bedroom, 3-bath residence features TWO PRIMARY SUITES and versatile living spaces ideal for entertaining or hosting guests. The main-level primary suite showcases an elegant coffered ceiling, while the expansive third-floor retreat offers privacy with two sitting areas, custom built-ins, generous closets, and a spacious bath with walk-in shower. The kitchen features quartz countertops, stainless steel appliances, and an inviting connection to the living and dining areas. A flexible lower-level room is ideal for a home office or fitness studio, while a custom Murphy bed provides guest accommodations. Significant
Next steps in Amelia Island
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,742 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.
Closest beach access
East 5th St.about 0.1 mi
Closest park or preserve
Fort Clinch State Parkabout 0.7 mi · 6.1 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 0.8 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 3 mi · 1385 Amelia Plaza, Fernandina Beach
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
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:50 AM, sunset 5:30 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $1,150,166 | $931,871 | — |
Estimated taxes if purchased at asking price: ~$21,700/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 27, 2026Price change$1,349,000−$50,000
- Oct 16, 2026Active$1,399,000
- Oct 16, 2026Withdrawn$1,399,000
- Aug 13, 2026Price change$1,399,000−$51,000
- Aug 13, 2026Listed$1,450,000
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 $620/sq ft; this home is listed at $409/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 845 Mary Street, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Jul 2025 | $1,675,000 | $411 | 6/4.5 | 4,078 | 68 | 0.1 |
| 532 Sea Island Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Apr 2026 | $1,900,000 | $627 | 3/3 | 3,032 | 3 | 0.3 |
| 548 Sea Island Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $1,750,000 | $620 | 4/3.5 | 2,821 | 107 | 0.3 |
| 1553 N Fletcher Avenue, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $2,525,000 | $785 | 4/3.5 | 3,216 | 86 | 0.7 |
| 1725 Lisa Avenue, Fernandina Beach, FL 32034Listed by EXP REALTY, LLC | Oct 2026 | $625,000 | $269 | 4/3 | 2,322 | 7 | 0.8 |
| 22 N 17th Street, Amelia Island, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2025 | $1,349,000 | $577 | 4/3 | 2,336 | 76 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
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.
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Krista Fracke
Broker Associate
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Is this home priced right?
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