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This home is in Fernandina Beach.

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Active·3 days on market

1421 Hickory Street

Fernandina Beach, FL 32034

$450,000$249/sqftEst. $2,311/moMLS# 2160820

Beds

Baths

1,808

Sq Ft

2019

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to easy island living! Built in 2019 and centrally located on Amelia Island, this 2-bedroom, 2-bath home offers a manageable footprint without giving up the benefits of a single-family home--including a fenced backyard, spacious covered patio, oversized detached garage and NO HOA. Inside, the bright, open-concept kitchen, living and dining areas feature LVT flooring, granite countertops, stainless steel appliances and plenty of natural light. Both bedrooms offer direct backyard access, while the primary suite includes dual vanities and a generous walk-in closet. The impressive 18' x 30' detached garage offers room for vehicles, RV storage, a golf cart, workshop or beach gear. Conveniently located between the beach, historic downtown, shopping and dining, this is a great alternative to condo living for those looking to downsize, simplify or enjoy a low-maintenance island home.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,311

Principal & Interest: $2,311

Property taxes (est.): $621

Insurance (est.): $300

Estimated Total Monthly

$3,232

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,311

Property taxesest. at asking price, Nassau County$621

Estimated total, before insurance$2,932/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,294/yr · $608/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): $7,294/yr

Estimated taxes if purchased at asking price: ~$7,500/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: Other — year not disclosed (home built 2019)

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

Solar potential: ~1,719 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