1535 Clinch Drive

Fernandina Beach, FL 32034

$575,000$302/sqftEst. $2,956/moMLS# 2162287

Beds

Baths

1,907

Sq Ft

1963

Built

Garage

Pool

About this home

Fernandina Beach

Charmingly updated 3-bedroom, 2-bath home is on a huge lot, just steps from gorgeous marsh/river views! This home has been thoughtfully renovated and freshly repainted inside and out, offering a bright, move-in-ready feel throughout. Cozy up by the functional gas fireplace, and enjoy year-round comfort with a brand-new A/C system, a 2021 hot water heater, plus a newer dishwasher and microwave. The attached garage features a new insulated door and opener, while a separate storage building provides extra space for tools, lawn equipment, bicycles, and beach gear. This home can be used as a primary residence or an investment opportunity, as it can be rented short-term. RV owners and outdoor enthusiasts will love the 30/50-amp RV hookup and concrete pad, wide 16-foot gate, and convenient drive-through access from Clinch Drive to 6th Street, ideal for boats, trailers, or an RV. A new back fence adds privacy and gives the backyard a polished, finished look.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,956

Principal & Interest: $2,956

Property taxes (est.): $794

Insurance (est.): $383

Estimated Total Monthly

$4,133

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,956

Property taxesest. at asking price, Nassau County$794

Estimated total, before insurance$3,750/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.

History