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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 gated community home on Amelia Island.

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Active

Active·Listed today

1407 Beach Walker Road

Fernandina Beach, FL 32034

$1,997,000$916/sqftEst. $10,661/moMLS# 2166732
3
Beds
3.5
Baths
2,180
Sq Ft
1980
Built
—
Garage
No
Pool
HOA $208/moWaterfrontCondominium2 stories

About this home

Fernandina Beach

This spacious oceanfront villa offers an effortless escape on Amelia Island's coveted southern end. Tucked within the enclave of Windsong at the gated Amelia Island Plantation, this rare three-bedroom, three-and-a-half-bath end unit pairs sweeping sea vistas with unmatched privacy—highlighted by the one of the largest secluded courtyards in the community. Inside, soaring vaulted ceilings and a warm hearth anchor a sun-drenched, open layout designed for seamless entertaining. The kitchen features modern appliances, while expansive windows bring the beauty of the Atlantic into daily view. Step outside to savor gentle ocean breezes, crisp morning air, and the soothing sound of the surf just beyond your door. Windsong residents enjoy private access to pristine beaches, a resort-style pool, and close proximity to the world-class golf, tennis, dining, and spas of the Omni Resort, as well as the historic charm of downtown Fernandina Beach. With a fully paid roof assessment and a flexible one-

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$10,661
Property taxesest. at asking price, Nassau County$2,757
HOAbilled annually$208
Estimated total, before insurance$13,626/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

$1,997,000
$399,400
Loan Term
Monthly Payment
$10,661
Principal & Interest: $10,661
Property taxes (est.): $2,757
Insurance (est.): $1,331
Estimated Total Monthly
$14,749
*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: Other — year not disclosed (home built 1980)

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

Solar potential: ~1,673 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$1,997,000

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

Features

Price$1,997,000
Price / Sq Ft$916
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,180
Year Built1980
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontYes

Community Information

Address1407 Beach Walker Road, Fernandina Beach, FL 32034
Area460-Amelia Island Plantation
SubdivisionWindsong
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number016N29V30A14070000

Amenities

AmenitiesPool, Beach Access, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Park
Community FeaturesGated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Covered
ViewBeach, Water

Interior

Interior FeaturesCeiling Fan(s), Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsThree Or More
LaundryIn Unit

Exterior

Exterior FeaturesBalcony
Patio / PorchPatio
RoofOther
ConstructionConcrete, Stucco

Additional Information

Date ListedSeptember 27, 2026
Days on Market27
HOA Fees$2,500 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSewer, Trash, Water
Listing TermsCash, Conventional
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.

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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