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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 The Residence@amelia Landing, Fernandina Beach — a waterfront home in Nassau County.

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Active

$990,0003 bd · 3.5 ba · 2,808 sq ft

Active·48 days on market·The Residence@amelia Landing

2157 1st Avenue

Fernandina Beach, FL 32034

$990,000$353/sqftEst. $5,397/mo mortgageMLS# 2165584
↓ $110,000 below original list
3
Beds
3.5
Baths
2,808
Sq Ft
2007
Built
3
Garage
No
Pool

All The Residence@amelia Landing homes for sale →Search The Residence@amelia Landing on the map

FEMA Zone XNo HOA12,197 sqft lotWaterfrontSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

The Residence@amelia Landing

Experience coastal living just moments from the beach in this exceptional 3BR/3.5BA residence offering over 2,800 square feet of thoughtfully designed living space. All primary living spaces are thoughtfully positioned on the elevated second level, an architectural design well suited to coastal living on Amelia Island. The elevated construction also provides an expansive ground-level garage and storage area. The open-concept interior is designed for entertaining, featuring soaring ceilings, tile flooring throughout the main living areas, a fireplace, custom built-ins, and a chef's kitchen with a large center island and abundant cabinetry. A private sauna provides the perfect place to relax and unwind. Multiple porches and an expansive rear deck overlook a serene lagoon, creating an ideal setting for outdoor gatherings and enjoying the natural surroundings. The deck can structurally support a future hot tub and 220-VAC electric is available.

Next steps in The Residence@amelia Landing

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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$5,397
Property taxesest. at asking price, Nassau County$1,367
Estimated total, before insurance$6,764/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$990,000
$198,000
Loan Term
Monthly Payment
$5,397
Principal & Interest: $5,397
Property taxes (est.): $1,367
Insurance (est.): $660
Estimated Total Monthly
$7,424
*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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2007)

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: ~1,773 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.

History

Price & status history

  • Oct 16, 2026Price change$990,000−$110,000
  • Sep 19, 2026Listed$1,100,000

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 $439/sq ft; this home is listed at $353/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2219 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by MOMENTUM REALTYApr 2026$975,000$4393/32,2231640.1
2657 Long Boat Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYDec 2025$1,335,000$4664/32,865990.2
2625 Long Boat Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYDec 2025$1,130,000$4253/2.52,656940.2
1981 Amelia Oaks Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJun 2026$940,000$3863/3.52,435800.4
2696 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYDec 2025$2,620,000$1,3233/31,980650.5
2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTYSep 2026$660,000$3194/22,067450.6

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$990,000
Price / Sq Ft$353
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,808
Acres0.28 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2157 1st Avenue, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionThe Residence@amelia Landing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size12,196.8 sq ft
Lot Dimensions88x127x96x161
Parcel Number000031165100360000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Circular Driveway, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Electric Cooktop, Electric Oven, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
# of Stories2
LaundryIn Unit

Exterior

ConstructionBlock, Fiber Cement, Frame

Additional Information

Date ListedSeptember 19, 2026
Days on Market48
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: STILLWELL REAL ESTATE LLC

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 The Residence@amelia Landing

The Residence@amelia Landing is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all The Residence@amelia Landing 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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