This home is in Club Villas, Fernandina Beach — a gated community home on Amelia Island.
Active·50 days on market·Club Villas
3051 Sea Marsh Road
Fernandina Beach, FL 32034
All Club Villas homes for sale →Search Club Villas on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Club Villas
This light-filled 2BR/2.5BA Club Villa offers spectacular sunset views across the pond, golf course, and marsh on Amelia Island Plantation. Located on the 9th hole fairway of Oak Marsh Golf Course, the spacious kitchen, dining, and great room open to a private courtyard with views of sailboats on the Intracoastal through moss-covered oaks. The kitchen features granite countertops, and a separate laundry room provides additional storage. A water softener and post-filter system are included. TWO balconies offer beautiful waterway and marsh views, with frequent sightings of great horned owls and spoonbills. Not currently a rental but eligible for daily, weekly, or longer-term rentals. Recent exterior renovations include new paint, upgraded balconies, and modern light fixtures. Enjoy quick access to the community pool, The Oaks, Drummond Point Park with trails, playground, pickleball, sports field and WiFi, plus easy beach access by bike or golf cart.
Next steps in Club Villas
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.
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 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1974)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,548 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Burney Park9 min drive · 220 parking spaces
Closest park or preserve
Big Talbot Island State Park9 min drive · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 3 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest grocery store
Harris Teeter10 min drive · 4800 1st Coast Highway, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $507,000 | $427,763 | — |
| 2024 | $465,000 | $415,000 | — |
| 2023 | $420,000 | $420,000 | — |
| 2022 | $407,000 | $407,000 | — |
| 2021 | $271,000 | $246,235 | — |
| 2020 | $258,000 | $223,850 | — |
Estimated taxes if purchased at asking price: ~$10,500/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 (2025), NEFMLS.
History
Price & status history
- Sep 2, 2026Listed$635,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $393/sq ft; this home is listed at $422/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3012 Sea Marsh Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $475,000 | $316 | 2/2.5 | 1,505 | 208 | 0 |
| 3028 Sea Marsh Road, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $400,000 | $266 | 2/2.5 | 1,505 | 210 | 0 |
| 3211 Sea Marsh Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $565,000 | $452 | 2/2 | 1,250 | 18 | 0.2 |
| 3327 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Sep 2026 | $550,000 | $393 | 2/2 | 1,400 | 689 | 0.3 |
| 3318 Sea Marsh Road, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $565,000 | $452 | 2/2 | 1,250 | 94 | 0.3 |
| 3323 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Aug 2026 | $565,000 | $353 | 2/2 | 1,600 | 11 | 0.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
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.
The neighborhood
About Club Villas
Club Villas is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Club Villas homes for sale →Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Club Villas
Club Villas guides & reports
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines