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

101 S 8th Street

Fernandina Beach, FL 32034

$525,000$306/sqftEst. $2,696/moMLS# 2160855

Beds

Baths

1,717

Sq Ft

1940

Built

—

Garage

Pool

About this home

Fernandina Beach

At 101 South 8th Street, you will find a rare opportunity to own a versatile property in the heart of Historic Fernandina Beach. Situated on a 100x100 ft corner lot, this property offers frontage on both 8th Street and Ash Street. Upwards of 21,000 cars pass by on 8th Street and visibility of Kate's Tree for tourists and locals alike on Ash, the location offers exceptional flexibility within the C-3 zoning district. The C-3 District is intended for the development of land uses within the central business district as the City's center for residential, financial, commercial, governmental, professional, and cultural activities. Centre Street--home to shops, restaurants, weekend Farmers Markets, and seasonal events like Dickens on Centre, Sounds on Centre, fireworks, and parades--is just around the corner. The Atlantic Ocean and Amelia island's famed beaches are just a mile away. The current residence is ready for your vision and offers over 1700 sf with two bedrooms, and 1.5 baths on the

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,696

Principal & Interest: $2,696

Property taxes (est.): $725

Insurance (est.): $350

Estimated Total Monthly

$3,771

*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$2,696

Property taxesest. at asking price, Nassau County$725

Estimated total, before insurance$3,421/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.

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: Metal — year not disclosed (home built 1940)

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

Sewer · Nassau County Utilities GDB - CITY OF FERNANDINA BEACH · Public water (record)

County records show this parcel on central sewer served by Nassau County Utilities GDB - CITY OF FERNANDINA BEACH — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,744 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