Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Marsh Creek, Fernandina Beach — a gated community home on Amelia Island.

1 / 162

Active

Active·2 days on market·Marsh Creek

23 Painted Bunting

Fernandina Beach, FL 32034

$2,795,000$706/sqftEst. $14,443/moMLS# 2163813

Beds

Baths

3,957

Sq Ft

2024

Built

Garage

Pool

About this home

Marsh Creek

A custom architectural masterpiece inspired by the original vision of the Amelia Island Plantation. This distinctive expression of coastal luxury, 23 Painted Bunting is a custom residence completed in Nov 2024 & gracefully positioned on an estate-style homesite in the coveted Marsh Creek Village of Amelia Island Plantation. Tucked into a private cul-de-sac, the 3,950+ sqft home captures partial & seasonal marsh views with serene vistas toward the 13th hole of Oak Marsh. Inspired by the original architectural vision of Amelia Island Plantation developer Charles Fraser, the exterior pairs double-layer James Hardie siding with exquisite custom trim, limestone entry & rear terrace, plus professionally designed, low-maintenance landscaping. Inside, refined craftsmanship unfolds through architectural choices, tray & custom ceiling details, honed granite windowsills, & custom Isokern gas fireplace. The heart of the home is an exceptional custom kitchen with premium commercial-grade Kitchen

Cost to own

Mortgage calculator

Home Price

$2,795,000

Down Payment: 20%

$559,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$14,443

Principal & Interest: $14,443

Property taxes (est.): $3,859

Insurance (est.): $1,863

Estimated Total Monthly

$20,165

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$14,443

Property taxesest. at asking price, Nassau County$3,859

HOAbilled annually$208

Estimated total, before insurance$18,510/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$20,452/yr · $1,704/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $20,452/yr

Estimated taxes if purchased at asking price: ~$46,300/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.

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: Shingle — year not disclosed (home built 2024)

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: ~1,432 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 home

As 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 7, 2026Listed$2,795,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,795,000

Price / Sq Ft$706

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,957

Acres0.34 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address23 Painted Bunting, Fernandina Beach, FL 32034

Area460-Amelia Island Plantation

SubdivisionMarsh Creek

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,810.4 sq ft

Parcel Number016N29130000180000

Amenities

AmenitiesBeach Access, Gated, Jogging Path, Pickleball, Playground, Security

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LaundryLower Level