This home is in Fernandina Beach — an oceanfront condo on Amelia Island.
$1,550,000Sold3 bd · 3.5 ba · 2,140 sq ft
Sold·Closed Oct 15, 2026·0 days on market·Recent sales in Amelia Island
1676 Sea Dunes Place 1676
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Direct oceanfront. Top-floor penthouse. Amelia Island Plantation. This is a rare opportunity to own an oceanfront footprint that cannot be recreated. With 2,140 heated square feet, the residence offers three bedrooms, three full baths and one half bath, with a private full bath for each bedroom. The oceanfront primary suite captures direct ocean views. A private boardwalk leads you from the dune line to open sand. The residence remains in its original, well-maintained condition, with early-2000s finishes. That leaves the next owner the opportunity to make the interior their own rather than inherit someone else's renovation. The HVAC was replaced in September 2026. The Sea Dunes exterior renovation assessment has been PAID IN FULL by the seller. The renovation addresses walkways, archways, stucco, sealants and waterproofing and is scheduled through October 16, 2026. Short-term rental eligible. Owner-reported gross revenue averaged $72,918 across the four full rental years of 2020 -2024
Next steps in Amelia Island
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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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 1984)
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: ~1,741 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, 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.
Closest beach access
Dune Walk 110about 0.3 mi · 19 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 3 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 3 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 4 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 4 mi · 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
2025 property taxes (current owner): $22,386/yr
Estimated taxes if purchased at asking price: ~$25,700/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
- Oct 15, 2026Closed$1,600,000
- Sep 17, 2026Active Under Contract$1,600,000
- Sep 16, 2026Listed$1,600,000
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 $780/sq ft; this home is listed at $724/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1549 Piper Dunes Place #1549, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | May 2025 | $2,525,000 | $1,178 | 3/3 | 2,144 | 42 | 0.1 |
| 1417 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | May 2026 | $2,195,000 | $1,021 | 3/3.5 | 2,150 | 7 | 0.2 |
| 11 Little Dunes Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | May 2026 | $1,282,000 | $608 | 3/3 | 2,108 | 39 | 0.2 |
| 1424 Beach Walker Road, Fernandina Beach, FL 32034Listed by CHAD AND SANDY REAL ESTATE GROUP | Dec 2025 | $935,000 | $477 | 2/2.5 | 1,960 | 43 | 0.2 |
| 1350 Shipwatch Circle, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Mar 2026 | $1,040,000 | $630 | 2/2 | 1,650 | 28 | 0.3 |
| 1349 Shipwatch Circle, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | May 2025 | $1,400,000 | $780 | 3/3 | 1,794 | 0 | 0.3 |
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: KELLER WILLIAMS FIRST COAST REALTY
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.
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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.
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