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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

$1,980,0004 bd · 3.5 ba · 3,901 sq ft

Active·52 days on market

39 Marsh Creek Road

Fernandina Beach, FL 32034

$1,980,000$508/sqftEst. $10,795/mo mortgageMLS# 2163951
4
Beds
3.5
Baths
3,901
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone AEHOA $208/mo6,098 sqft lotSingle Family Residence2 stories

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About this home

Fernandina Beach

Nearly 4,000 SF of thoughtfully designed living space along the 14th fairway of Oak Marsh Golf Course within Amelia Island Plantation. Designed by John Cotner Architects, this distinctive home offers three en-suite bedrooms, multiple gathering spaces and a private in-law suite with separate entrance, living area, kitchenette and bath. Soaring ceilings, detailed trim, abundant natural light and a dramatic stone fireplace highlight the freshly painted interior. The kitchen features exposed beams, GE Monogram refrigerator, Thermador gas range, wine cooler, ice maker and compactor. Upstairs, the primary suite overlooks the fairway with a newly rebuilt balcony, propane fireplace, dual closets, elevator access and bath with dual sinks, walk-in shower and marble jetted tub. Additional features include impact-rated Andersen windows and doors, 2020 roof, 2023 whole-house Generac generator, 500-gallon in-ground propane tank and xeriscape landscaping. Bring your vision and make it your own.

Next steps in Amelia Island

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$10,795
Property taxesest. at asking price, Nassau County$2,733
HOAbilled annually$208
Estimated total, before insurance$13,737/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,025/yr · $1,502/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,980,000
$396,000
Loan Term
Monthly Payment
$10,795
Principal & Interest: $10,795
Property taxes (est.): $2,733
Insurance (est.): $1,320
Estimated Total Monthly
$14,848
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,738 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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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

2025 property taxes (current owner): $18,025/yr

Estimated taxes if purchased at asking price: ~$32,800/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 8, 2026Listed$1,980,000

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 $472/sq ft; this home is listed at $508/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1 Marsh Hawk Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2025$2,000,000$5244/43,81910.1
6 Green Winged Teal Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,460,000$5295/4.52,7583320.5
2 Heron Oaks Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJul 2025$1,925,000$4724/4.54,08141
10 Hickory Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$1,295,000$4423/2.52,929201.1
58 Laurel Oak Road Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTDec 2025$1,210,000$4253/3.52,848261.2
10 Buckthorne Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJun 2025$1,550,000$3874/44,010751.2

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

Price$1,980,000
Price / Sq Ft$508
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,901
Acres0.14 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address39 Marsh Creek Road, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionMarsh Creek
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size6,098.4 sq ft
Parcel Number016N29132001120000
ZoningResidential

Amenities

AmenitiesBoat Launch
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Elevator, Kitchen Island, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Dryer, Refrigerator, Washer, Water Softener Owned
HeatingHeat Pump
CoolingCentral Air
# of Stories2
LevelsTwo
SecurityGated with Guard, Security Gate

Additional Information

Date ListedSeptember 8, 2026
Days on Market52
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
Tax Amount$18,024.68
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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