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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 Sandcastle Condo, Fernandina Beach — an oceanfront condo on Amelia Island.

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Active

$630,0001 bd · 1 ba · 863 sq ft

Active·48 days on market·Sandcastle Condo

233 Sandcastles Court Court 233

Fernandina Beach, FL 32034

$630,000$730/sqftEst. $3,435/mo mortgageMLS# 2164584
1
Beds
1
Baths
863
Sq Ft
1982
Built
—
Garage
No
Pool

2 more homes for sale in Sandcastle Condo →Search Sandcastle Condo on the map

FEMA Zone XHOA $1449/moWaterfrontCondominium1 story

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About this home

Sandcastle Condo

Imagine waking up to the gentle rhythm of the waves and sweeping views of the Atlantic Ocean. At 233 Sandcastles Court, this dream becomes reality. Perched on the 4th floor within the prestigious gated Amelia Island Plantation, this beautifully furnished 1-bedroom, 1-bath villa offers OCEAN VIEWS FROM EVERY ROOM and an exceptional opportunity for investors, second-home buyers, or anyone seeking their own private retreat by the sea. Step inside to a light-filled, inviting space where coastal living comes naturally. The open floor plan seamlessly connects the living area to the private balcony, creating an effortless flow between indoors and out. Start your morning with coffee overlooking the ocean or unwind in the evening with a cocktail as the sound of the waves provides the perfect soundtrack. Thoughtfully updated and move-in ready, the villa features fresh paint, new décor, new flooring, a new hot water heater, and a new dishwasher.

Next steps in Sandcastle Condo

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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$3,435
Property taxesest. at asking price, Nassau County$870
HOAbilled monthly$1,449
Estimated total, before insurance$5,753/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,887/yr · $657/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

$630,000
$126,000
Loan Term
Monthly Payment
$3,435
Principal & Interest: $3,435
Property taxes (est.): $870
Insurance (est.): $420
Estimated Total Monthly
$4,725
*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 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: Tile — year not disclosed (home built 1982)

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: ~1,820 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): $7,887/yr

Estimated taxes if purchased at asking price: ~$10,400/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 12, 2026Listed$630,000

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 $663/sq ft; this home is listed at $730/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
223 Sandcastles Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$589,500$6831/1863130
249 Sandcastles Court, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCMar 2026$590,000$6171/1957740
241 Sandcastles Court, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMar 2026$572,000$6631/1863140
318 Sandcastles Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$665,000$6071/11,096100.1
1122 Beach Walker Road, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESOct 2025$350,000$3702/2947640.4
1657 Sea Dunes Place, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYSep 2026$975,000$8712/21,120241

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$630,000
Price / Sq Ft$730
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage863
Year Built1982
TypeResidential
Sub-TypeCondominium
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesEast

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

Address233 Sandcastles Court Court 233, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionSandcastle Condo
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number01-6N-29-V17B-0220-0000
ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Beach Access, Elevator(s), Laundry, Maintenance Grounds, Trash, Water
Community FeaturesRestaurant, Gated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot, Unassigned
ViewBeach, Ocean

Interior

Interior FeaturesPrimary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Rear Porch
RoofTile
ConstructionConcrete, Frame, Stucco
Road SurfaceAsphalt, Paved
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 12, 2026
Days on Market48
HOA Fees$1,449 / Monthly
HOA FrequencyMonthly
HOA NameAmelia Island Plantation Community Association
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Sewer, Trash, Water
Tax Amount$7,887
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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 Sandcastle Condo

Sandcastle Condo is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Sandcastle Condo homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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