This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·Listed today
1457 Holly Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Unexpected work relocation creates a RARE second chance to own this beautifully reimagined AMELIA ISLAND home! Purchased with plans to stay, the owners are giving the next buyer the opportunity to enjoy a MOVE-IN-READY island home with extensive improvements completed. Located in the desirable Five Points area, this 4-bedroom, 3-bath home offers flexible living space on a generous lot-all with NO HOA and NO CDD! Enjoy the freedom of island living just 3 miles from Main Beach, with the charm, dining, shopping, and entertainment of historic Centre Street just a golf-cart ride away. The fenced backyard has plenty of room for a private oasis--think pool, outdoor kitchen, firepit, gardens, play area, or entertaining space. A 1.5-car attached garage PLUS an additional detached garage/WORKSHOP provides exceptional storage and hobby space! Convenient to Jax Airport & Military Bases! A home where the big projects have already been done - this can be YOUR opportunity to live like a LOCAL!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,735/yr
Estimated taxes if purchased at asking price: ~$12,100/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1960)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,590 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 homeThis 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 28, 2026Listed$729,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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8/29/2026
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