This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·3 days on market
3051 Sea Marsh Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
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.
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.
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.
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.
History
Price & status history
- Sep 2, 2026Listed$635,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Club Villas
Active$635,000MLS# 2127163Est. $3,380/mo3051 Sea Marsh Road, Fernandina Beach, FL 320342 Beds2 Baths1,505 sqftThis light-filled 2-bedroom, 2.5-bath Club Villa offers one of the most scenic views on Amelia Island Plantation,…
ResidentialAMELIA ISLAND REAL ESTATE SERVICES
Active$569,000MLS# 2128656Est. $3,028/mo3033 Sea Marsh Road, Fernandina Beach, FL 320342 Beds2 Baths1,505 sqftWelcome to carefree island living in this beautifully maintained Club Villas condo, offering comfort, convenience, and…
ResidentialAMELIA ISLAND REAL ESTATE SERVICES
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island 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
Curious what nearby homes sold for?
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