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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 home near Fernandina Beach High School.

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Active Under Contract

$899,900Active Under Contract3 bd · 2.5 ba · 2,548 sq ft

Active Under Contract·48 days on market

2831 Park Square Place E

Fernandina Beach, FL 32034

$899,900$353/sqftEst. $4,906/mo mortgageMLS# 2166391
3
Beds
2.5
Baths
2,548
Sq Ft
1992
Built
2
Garage
No
Pool
FEMA Zone XHOA $29/mo12,632 sqft lotSingle Family Residence1 story

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Want to walk through this home this week?

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.

Call (904) 709-7917 Text Krista

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

About this home

Fernandina Beach

Welcome to Egan's Bluff III, an established Amelia Island neighborhood where mature oaks, spacious homesites and coastal living come together. Enjoy the convenience of being close enough to bike to the beach, with the Amelia River-to-Sea Trail nearby and Fernandina Beach's A-rated public schools. Situated on a large lot, this home offers a spacious floor plan with plenty of room to live, work and entertain. Extensively remodeled in 2024/2025 including a brand new coastal kitchen, updated bathrooms, lighting, interior paint, and carpet for a fresh, move-in-ready feel. Outside, the generous backyard offers endless possibilities to create your own private outdoor oasis. Additional features include an EV charger, water softener and whole-house water filtration system, new gutters. A wonderful opportunity to enjoy the laid-back Amelia Island lifestyle with beaches, biking, dining and historic downtown Fernandina Beach just minutes away.

Next steps in Amelia Island

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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$4,906
Property taxesest. at asking price, Nassau County$1,204
HOAbilled annually$29
Estimated total, before insurance$6,140/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

$899,900
$179,980
Loan Term
Monthly Payment
$4,906
Principal & Interest: $4,906
Property taxes (est.): $1,205
Insurance (est.): $600
Estimated Total Monthly
$6,711
*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 — 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1992)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,768 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.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$667,948$190,091—

Estimated taxes if purchased at asking price: ~$14,500/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Oct 6, 2026Active Under Contract$899,900
  • Sep 24, 2026Listed$899,900

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 $400/sq ft; this home is listed at $353/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTYSep 2026$660,000$3194/22,067450.4
3110 Egans Bluff Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$645,000$2493/22,590390.4
2144 Lakeside Drive E, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$875,000$4683/21,868420.5
3124 Big Pine Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYJun 2026$769,900$4003/21,92790.5
1908 Springbrook Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTMay 2026$1,045,000$4823/2.52,1683070.5
96260 Ocean Breeze Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2026$810,000$3193/22,536130.6

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$899,900
Price / Sq Ft$353
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,548
Acres0.29 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address2831 Park Square Place E, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionEgans Bluff #3
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size12,632.4 sq ft
Parcel Number000030021C00620000
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Open Floorplan
AppliancesDishwasher, Electric Oven, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPorch, Screened
FencingBack Yard
RoofShingle
Other StructuresShed(s)

Additional Information

Date ListedSeptember 24, 2026
Days on Market48
HOA Fees$350 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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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