Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a gated community home on Amelia Island.

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Active·Listed today

44 Beachwood Road

Fernandina Beach, FL 32034

$1,500,000$633/sqftEst. $8,008/moMLS# 2166727

Beds

Baths

2,371

Sq Ft

2002

Built

Garage

Pool

HOA $208/mo8,912 sqft lotSingle Family Residence1 story

About this home

Fernandina Beach

Set on a private, wooded homesite in the gated community of Amelia Island Plantation, 44 Beachwood offers 3 bedrooms plus a versatile office/flex space, 3 bathrooms, and 2,371 square feet of living space. This home has been thoughtfully maintained with major systems in place: a new HVAC system (2026), a tankless water heater, a whole-house generator, and a newer roof, giving buyers real peace of mind. Inside, gleaming hardwood floors flow throughout, paired with Andersen windows and doors that bring in natural light while standing up to coastal weather. Step outside to enjoy both a screened porch and an open porch, ideal for morning coffee or evening entertaining in any season. A two-car garage adds everyday convenience and extra storage, while the private, wooded lot provides a natural buffer and a true sense of seclusion. Amelia Island Plantation offers renowned golf, tennis, walking trails, and deeded beach access within a secure, amenity-rich community. Amelia Island itself is home

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$8,008

Property taxesest. at asking price, Nassau County$2,071

HOAbilled annually$208

Estimated total, before insurance$10,287/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

Home Price

$1,500,000

Down Payment: 20%

$300,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$8,008

Principal & Interest: $8,008

Property taxes (est.): $2,071

Insurance (est.): $1,000

Estimated Total Monthly

$11,079

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2002)

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

Solar potential: ~1,694 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

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.

History

Price & status history

Sep 27, 2026Listed$1,500,000

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

Features

Price$1,500,000

Price / Sq Ft$633

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,371

Acres0.20 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address44 Beachwood Road, Fernandina Beach, FL 32034

Area460-Amelia Island Plantation

SubdivisionBeachwood Village

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,912.38 sq ft

Parcel Number016N29020300010000

Amenities

AmenitiesBeach Access, Boat Dock, Boat Launch, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Pickleball, Playground, Security

Community FeaturesFishing, Gated

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Downstairs, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesFree Standing

# of Stories1

LevelsOne

Exterior

Patio / PorchDeck, Porch, Rear Porch, Screened

RoofShingle

Road SurfacePaved

Road FrontagePrivate Road

Additional Information

Date ListedSeptember 27, 2026

Days on Market27

HOA Fees$2,500 / Annually

HOA FrequencyAnnually

HOA NameAIPCA

HOA Fee IncludesMaintenance Grounds, Security

Listing TermsCash, Conventional, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

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

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