This home is in Oceanside, Fernandina Beach — a gated community home on Amelia Island.
Sold·Closed Oct 15, 2026·12 days on market·Recent sales in Oceanside·Oceanside
1872 Oceanside Lane
Fernandina Beach, FL 32034
3 more homes for sale in Oceanside →Search Oceanside on the map
About this home
Oceanside
STEPS from the beach in the exclusive gated Oceanside community on Amelia Island! This fully renovated home showcases custom designer finishes, including a gourmet kitchen with vaulted ceilings, slim shaker cabinetry, Calacatta Gold quartz countertops, and new stainless appliances. Wide-plank European White Oak flooring flows throughout the open layout. With 3 bedrooms, 2 baths, and a light-filled sunroom, the home blends comfort and sophistication. The primary suite is a true retreat with a spa-worthy bath featuring a freestanding tub and walk-in shower. Additional upgrades include a new AC system and windows for peace of mind. Enjoy effortless living with HOA-covered lawn care, irrigation, and resort-style amenities--pool, tennis, and more. Evenings are spent among friendly neighbors or strolling to the Ritz-Carlton nearby. Whether a full-time residence or vacation escape, this home offers a rare opportunity to own luxury island living at its finest!
Next steps in Oceanside
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).
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: Shingle — year not disclosed (home built 1991)
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: ~1,486 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 access
Scott Road Beach Access6 min drive · 100 parking spaces
Closest park or preserve
Big Talbot Island State Park17 min drive · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest grocery store
Harris Teeter5 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 | $916,220 | $890,558 | — |
| 2024 | $809,598 | $809,598 | — |
| 2023 | $641,739 | $316,450 | — |
| 2022 | $532,535 | $305,777 | — |
| 2021 | $389,419 | $295,415 | — |
| 2020 | $385,570 | $290,646 | — |
2025 property taxes (current owner): $14,004/yr
Estimated taxes if purchased at asking price: ~$16,600/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
- Oct 17, 2026Closed$1,090,000
- Sep 15, 2026Active Under Contract$1,090,000
- Sep 3, 2026Listed$1,090,000
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 $462/sq ft; this home is listed at $585/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4986 Sea Watch Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2025 | $1,850,000 | $846 | 3/3.5 | 2,186 | 34 | 0.1 |
| 4988 Spanish Oaks Circle, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jun 2025 | $965,000 | $471 | 3/2 | 2,050 | 101 | 0.2 |
| 1798 Jackson Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2025 | $1,110,000 | $462 | 3/2 | 2,402 | 6 | 0.2 |
| 1793 Arbor Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jul 2025 | $765,000 | $383 | 3/2 | 1,996 | 1 | 0.3 |
| 1750 Regatta Drive, Fernandina Beach, FL 32034Listed by MILLER & COMPANY REAL ESTATE | Apr 2026 | $825,000 | $427 | 3/2 | 1,932 | 14 | 0.5 |
| 96183 Sylvester Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $800,000 | $366 | 4/3.5 | 2,187 | 55 | 0.5 |
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
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Sold by: NON MLS (realMLS) (buyer's brokerage)
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 Oceanside
Oceanside is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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