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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 a waterfront home in Nassau County.

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Active·Listed today

2157 1st Avenue

Fernandina Beach, FL 32034

$1,100,000$392/sqftEst. $5,825/moMLS# 2165584
3
Beds
3.5
Baths
2,808
Sq Ft
2007
Built
3
Garage
No
Pool
No HOA12,197 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Fernandina Beach

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.

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$5,825
Property taxesest. at asking price, Nassau County$1,519
Estimated total, before insurance$7,344/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$5,825
Principal & Interest: $5,825
Property taxes (est.): $1,519
Insurance (est.): $733
Estimated Total Monthly
$8,077
*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.

History

Price & status history

  • Sep 19, 2026Listed$1,100,000

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

Features

Price$1,100,000
Price / Sq Ft$392
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

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 Market103
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: STILLWELL REAL ESTATE LLC · john@stillwellteam.com

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

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20+ years · 500+ closings · NE Florida

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