This home is in Fernandina Beach — an oceanfront condo on Amelia Island.
$815,0002 bd · 2 ba · 1,170 sq ft
Active·49 days on market
3240 S Fletcher Avenue 773
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Top-Floor, End-Unit Oceanfront Condo -- Turnkey & Move-In Ready! Perched on the top floor as a rare end unit, this 2-bedroom, 2-bath condo showcases sweeping, unobstructed Atlantic Ocean views and extra natural light from additional end-unit windows. Enjoy sunrise and ocean breezes from the private balcony, living room, and owner's suite. Tile flooring and granite countertops throughout the kitchen and both baths. Recent mechanical and cosmetic upgrades include water heater (2022), electrical panel (August 2023), new oceanfront sliding doors (December 2024), and freshly painted interior (November 2025). Being sold fully furnished, including 2 wall-mounted TVs, this condo is genuinely turnkey -- move in, rent, or enjoy as a vacation home from day one. Short-term (daily/weekly) rentals are authorized, making this a proven income-producing opportunity. The building's Milestone structural repairs are in their final phase, with completion expected within the next couple of months.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Mostly Zone X: 66% of this 4.6-acre lot is outside FEMA's high-risk flood zones
The other 34% is Zone VE (31%) and Zone AE (3%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.
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 — year not disclosed (home built 1973)
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: ~1,747 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
Beach access 31, S Fletcher Ave. & Hutchins Ave.about 0.1 mi · 12 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 3 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 4 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 3 mi · Egan's Creek
Closest grocery store
Publixabout 2 mi · 1421 Sadler Rd, 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): $11,293/yr
Estimated taxes if purchased at asking price: ~$13,500/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 18, 2026Listed$815,000
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 $619/sq ft; this home is listed at $697/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3240 Fletcher Avenue 560, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Feb 2026 | $750,000 | $641 | 2/2 | 1,170 | 21 | 0 |
| 3350 S Fletcher Avenue F7, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC. | May 2026 | $685,000 | $606 | 2/2 | 1,130 | 84 | 0.1 |
| 3350 S Fletcher Avenue C5, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Feb 2026 | $700,000 | $619 | 2/2 | 1,130 | 183 | 0.1 |
| 3350 Fletcher Avenue 6J, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Nov 2025 | $700,000 | $619 | 2/2 | 1,130 | 133 | 0.1 |
| 3350 S Fletcher Avenue #7I, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Jul 2025 | $685,000 | $606 | 2/2 | 1,130 | 147 | 0.1 |
| 2700 Mizell Avenue 402B, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTY | Aug 2025 | $375,000 | $350 | 2/2 | 1,072 | 68 | 0.7 |
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: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
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
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