This home is in Fernandina Beach — a home near Fernandina Beach High School.
Sold·Closed Sep 21, 2026·8 days on market·Recent sales in Amelia Island
410 S 10th Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
410 S 10th St is a one-story Fernandina Beach home built in 2006 with three bedrooms and two bathrooms across roughly 1,303 square feet. The kitchen provides generous counter space, wood cabinetry, a breakfast bar, and stainless steel appliances, opening to the main living and dining areas with plank flooring throughout. The three bedrooms are served by two full bathrooms, including a dual-sink vanity and both a soaking tub and a tub-and-shower combination. Outdoor spaces include a screened rear porch and a paver patio set within a fully fenced backyard. An attached two-car garage completes this well-maintained residence with practical amenities throughout every room. Included 100-Day Home Warranty with buyer activation
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 (that applies to the reference bill above too).
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 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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
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: ~1,778 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,312/yr
Estimated taxes if purchased at asking price: ~$6,800/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.
History
Price & status history
- Sep 22, 2026Closed$415,000
- Aug 26, 2026Pending$415,000
- Aug 17, 2026Listed$415,000
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 $377/sq ft; this home is listed at $318/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 232 Vernon Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $500,000 | $548 | 2/2 | 912 | 60 | 0.2 |
| 410 Cedar Street, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $720,000 | $761 | 2/2 | 946 | 3 | 0.3 |
| 704 S 9th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $629,000 | $377 | 3/2.5 | 1,668 | 14 | 0.3 |
| 710 S 7th Street, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | May 2026 | $450,000 | $324 | 3/2.5 | 1,391 | 0 | 0.3 |
| 831 Division Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLC | May 2026 | $420,000 | $351 | 3/2 | 1,195 | 6 | 0.4 |
| 1120 Natures Walk Drive A, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT | Jun 2026 | $419,000 | $329 | 2/2 | 1,274 | 12 | 0.9 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OPENDOOR BROKERAGE, LLC.
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 21, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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