This home is in Fernandina Beach — a gated community home on Amelia Island.
$1,500,0003 bd · 3 ba · 2,371 sq ft
Active·49 days on market
44 Beachwood Road
Fernandina Beach, FL 32034
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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
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.
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.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2002)
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: ~1,694 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.
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.
Closest beach access
Burney Parkabout 0.2 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 4 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 4 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 2 mi · 4800 1st Coast Highway, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $935,856 | $391,158 | — |
Estimated taxes if purchased at asking price: ~$24,100/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
- Sep 27, 2026Listed$1,500,000
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 $442/sq ft; this home is listed at $633/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 58 Laurel Oak Road Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Dec 2025 | $1,210,000 | $425 | 3/3.5 | 2,848 | 26 | 0.2 |
| 1395 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2025 | $950,000 | $427 | 4/3 | 2,227 | 24 | 0.4 |
| 10 Hickory Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $1,295,000 | $442 | 3/2.5 | 2,929 | 20 | 0.5 |
| 4 Moss Oaks Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Feb 2026 | $1,350,000 | $612 | 3/2 | 2,205 | 10 | 0.5 |
| 1351 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Apr 2026 | $650,000 | $324 | 3/2 | 2,009 | 26 | 0.6 |
| 5383 Florence Point Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $1,098,000 | $598 | 3/2 | 1,835 | 2 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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
Broker Associate
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