Active·21 days on market
Lot 1 Wilder Boulevard
Fernandina Beach, FL 32034
About this home
Fernandina Beach
TRUE DEEP WATER HOMESITE! 25 TO 30 FEET OF WATER AT ALL TIDES, APPROXIMATELY 100 FEET OF RIVER FRONTAGE, A PRIVATE DOCK AND OPEN OCEAN ACCESS ABOUT 12 MINUTES AWAY BY BOAT. This rare, nearly ONE-ACRE WATERFRONT PROPERTY offers an exceptional opportunity to create a custom home in an established enclave of MULTIMILLION-DOLLAR RESIDENCES. The lot is FLAT, OUTSIDE THE FLOOD ZONE and protected along the waterfront by a HEAVILY REINFORCED RIPRAP SHORELINE. With NO HOA OR CDD, you have the freedom to design a waterfront residence around the lifestyle this remarkable setting provides. And there is no need to rush the process. An UPDATED, MOVE-IN READY 3-BEDROOM, 2-BATH BRICK HOME is already on the property, allowing you to enjoy the river, dock and boating lifestyle immediately while you design and plan your future home. The existing residence features an open-concept layout, newer HVAC, new windows, an expansive covered patio and broad water views. When the time comes to build, the existing
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,820 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 homeAs of September 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $11,533/yr
Estimated taxes if purchased at asking price: ~$24,800/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.
History
Price & status history
- Sep 1, 2026Listed$1,500,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 MILLER ELITE LLC · adele@isellfl.net
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
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