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This home is in Coastal Oaks, Fernandina Beach.

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Active

Active·Listed today·Coastal Oaks

1512 Coastal Oaks Circle

Fernandina Beach, FL 32034

$984,900$493/sqftEst. $5,069/moMLS# 2159977

Beds

Baths

1,999

Sq Ft

2022

Built

Garage

Pool

About this home

Coastal Oaks

The difference between a house and a forever home is often found in the details. Welcome to 1512 Coastal Oaks Circle, a custom-built 3-bedroom, 2.5-bath home w/ a dedicated office & glass-enclosed sunroom, where every enhancement was thoughtfully selected to elevate everyday living. Built by Joseph Andrew Homes in 2022, this customized Lowery floor plan is enhanced well beyond the original design. Rich 7-inch engineered white oak flooring, solid-core 8-foot doors, plantation shutters, designer lighting, & custom finishes create a warm, sophisticated feel throughout. The gourmet kitchen is designed for gathering w/ premium stainless appliances, including five-burner gas cooktop, quartz countertops, custom cabinetry with pull-out shelving, Bedrosians Cloe tile backsplash, & a walk-in pantry with custom wood shelving. French doors open to the glass-enclosed sunroom overlooking your a paver walkway & peaceful backyard retreat. Landscape lighting highlights the fountain & surrounding trees

Cost to own

Mortgage calculator

Home Price

$984,900

Down Payment: 20%

$196,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,069

Principal & Interest: $5,069

Property taxes (est.): $1,360

Insurance (est.): $657

Estimated Total Monthly

$7,085

*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$5,069

Property taxesest. at asking price, Nassau County$1,360

HOAbilled semi-annually$129

Estimated total, before insurance$6,557/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,229/yr · $936/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,229/yr

Estimated taxes if purchased at asking price: ~$16,300/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, NEFMLS.

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 2022)

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

Solar potential: ~1,787 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, 2026Listed$984,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$984,900

Price / Sq Ft$493

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,999

Acres0.22 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Cottage, Ranch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1512 Coastal Oaks Circle, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionCoastal Oaks

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,583.2 sq ft

Parcel Number000031161100030000

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Cooktop, Gas Range, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

# of Stories1

LevelsOne

LaundryIn Unit