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This home is in Fernandina Beach.

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829 N Fletcher Avenue

Fernandina Beach, FL 32034

$1,399,000$424/sqftEst. $7,200/moMLS# 2159949

Beds

Baths

3,300

Sq Ft

2015

Built

Garage

Pool

About this home

Fernandina Beach

Wake to the sounds of the ocean, spend your mornings walking the beach, & end the day relaxing on your porch. Located on the coveted North End of Amelia Island, this thoughtfully designed beach home offers the rare advantage of dual primary suites, nearby beach access, & convenient proximity to historic downtown Fernandina Beach. Built in 2015, it blends coastal elegance with everyday comfort. The main-floor primary suite features a coffered ceiling, while the private upstairs retreat offers ocean views, built-in dressers, a spacious walk-in shower, generous closets, & a landing with built-in bookshelves. The kitchen showcases quartz countertops, stainless steel appliances & flows seamlessly into the living & dining areas, creating an inviting space for everyday living & effortless entertaining. Meticulously maintained & extensively updated, the home features a new roof (24), replaced HVAC condensers (25), new luxury vinyl plank flooring throughout, upgraded interior doors, a new paver

Cost to own

Mortgage calculator

Home Price

$1,399,000

Down Payment: 20%

$279,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,200

Principal & Interest: $7,200

Property taxes (est.): $1,931

Insurance (est.): $933

Estimated Total Monthly

$10,064

*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$7,200

Property taxesest. at asking price, Nassau County$1,931

Estimated total, before insurance$9,131/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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.

Ask about this home

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 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.

Features

Price$1,399,000

Price / Sq Ft$424

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,300

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address829 N Fletcher Avenue, Fernandina Beach, FL 32034

Area430-Nassau County Beaches-North

SubdivisionGeorgia's Fdna Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number000031134B01820000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOcean, Other

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Walk-In Closet(s), Other

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingElectric, Split System, Zoned

# of Stories3

LevelsThree Or More

LaundryIn Unit, Lower Level