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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.

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Active

Active·1 day on market

716 S 12th Street

Fernandina Beach, FL 32034

$360,000$391/sqftEst. $1,906/moMLS# 2165345
Open house Sat, Sep 19 · 2:00 pm–4:00 pm
3
Beds
2
Baths
920
Sq Ft
1961
Built
Garage
No
Pool
FEMA Zone XNo HOA4,792 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Live in the heart of Amelia Island! This charming 3-bedroom, 2-bath home offers a fresh, move-in-ready feel and an incredible opportunity to enjoy the island lifestyle. Historic Downtown Fernandina Beach is approximately ¾ of a mile away, with the beach just about 2 miles from your doorstep. The home has been refreshed with major updates, including a NEW A/C (2026), NEW ROOF (2025), updated kitchen, new flooring throughout, fresh interior and exterior paint, new doors, and a new front deck. The fully fenced yard with a wood privacy fence provides added privacy and a great outdoor space to relax or entertain. Whether you're heading downtown for shopping and dining or spending the day at the beach, this location puts some of Fernandina Beach's most popular destinations within easy reach. The front lawn has been digitally enhanced for presentation purposes.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,906
Property taxesest. at asking price, Nassau County$497
Estimated total, before insurance$2,403/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,417/yr · $368/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

$360,000
$72,000
Loan Term
Monthly Payment
$1,906
Principal & Interest: $1,906
Property taxes (est.): $497
Insurance (est.): $240
Estimated Total Monthly
$2,643
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2025 per the listing

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

Solar potential: ~1,591 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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,417/yr

Estimated taxes if purchased at asking price: ~$6,000/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 17, 2026Listed$360,000

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

Features

Price$360,000
Price / Sq Ft$391
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage920
Acres0.11 acres
Year Built1961
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address716 S 12th Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionMetes & Bounds
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size4,791.6 sq ft
Parcel Number0000311800023204B1
ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther

Interior

Interior FeaturesPrimary Bathroom - Shower No Tub
AppliancesElectric Oven, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LevelsOne

Exterior

Patio / PorchDeck
FencingFenced, Wood
RoofShingle
ConstructionWood Siding

Additional Information

Date ListedSeptember 18, 2026
Days on Market2
Tax Amount$4,416.69
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TU FAMILIA REAL ESTATE · maidelys@tufamilia.realestate

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

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

9/19/2026

2:00 pm - 4:00 pm