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·Listed today

226 Vernon Street

Fernandina Beach, FL 32034

$750,000$369/sqftEst. $3,860/moMLS# 2160732

Beds

Baths

2,032

Sq Ft

2020

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to a rare opportunity--a home that perfectly blends location, quality, and lifestyle. Custom designed and built by SEDA Homes just six years ago, this beautifully maintained, one-story residence has been used only as a second home, resulting in exceptionally light use. Located on Amelia Island--voted the #1 Best Island in the U.S. by Global Traveler magazine for three consecutive years--this home offers the quality and peace of mind of newer construction on a quiet street within the city limits of Fernandina Beach. Ideally situated less than a block from Central Park, you'll enjoy tennis and pickleball courts, baseball, pétanque, and a playground just outside your door. Spend the morning at the beach--only about one mile away--then bike or stroll a few blocks to Fernandina Beach's charming historic downtown, filled with locally owned shops, restaurants, & year-round events. Designed for effortless coastal living, the thoughtfully crafted open-concept floor plan features a

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,860

Principal & Interest: $3,860

Property taxes (est.): $1,035

Insurance (est.): $500

Estimated Total Monthly

$5,395

*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$3,860

Property taxesest. at asking price, Nassau County$1,035

Estimated total, before insurance$4,895/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,207/yr · $851/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): $10,207/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,504 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 19, 2026Listed$750,000

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

Features

Price$750,000

Price / Sq Ft$369

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,032

Acres0.20 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address226 Vernon Street, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,712 sq ft

Parcel Number0000311800023009B0

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Freezer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity System Owned