Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·2 days on market

2650 Caprice Lane

Fernandina Beach, FL 32034

$749,000$450/sqftEst. $3,855/moMLS# 2160249

Beds

Baths

1,665

Sq Ft

1996

Built

Garage

Pool

About this home

Fernandina Beach

Single-level living in a desirable mid-island location! This completely remodeled 3BR/2BA shows like new and sits just minutes from the beach by bike or golf cart. The chef's kitchen features custom cabinetry, quartz counters, and Thermador appliances that shine. The primary suite offers double sinks, a custom shower, and two walk-in closets. The fresh airy pallet is ready for your design vision. A 350 SF glassed-in sunroom, adds flexible bonus space for gathering or relaxing year-round. A new whole-home central air system is set for maximum comfort while staying highly efficient. Outside, the expansive lot offers rare room for a boat and RV, plus new irrigation and established landscaping in the front of the home. New cement siding and a full remodel mean this one is truly move-in ready. Enjoy a large yard and room for your boat and RV, plus county-only taxes. Contact me for a full list of updates to this home. Schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,855

Principal & Interest: $3,855

Property taxes (est.): $1,034

Insurance (est.): $499

Estimated Total Monthly

$5,388

*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$3,855

Property taxesest. at asking price, Nassau County$1,034

HOAbilled annually$11

Estimated total, before insurance$4,899/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,513/yr · $626/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): $7,513/yr

Estimated taxes if purchased at asking price: ~$12,400/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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1996)

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: ~1,789 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.

History

Price & status history

Aug 14, 2026Listed$749,000

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

Features

Price$749,000

Price / Sq Ft$450

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,665

Acres0.25 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Patio Home, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address2650 Caprice Lane, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionEgans Bluff

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,890 sq ft

Parcel Number000030021E00200000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Induction Cooktop, Microwave, Refrigerator, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne