This home is in Fernandina Beach.
$599,0003 bd · 2 ba · 1,318 sq ft
Active·46 days on market
604 N 15th Street
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Live the Amelia Island lifestyle from this beautifully updated, move-in-ready 3-bedroom, 2-bath home on the island's desirable north end. Set on a spacious corner lot along a quiet, mature oak-lined street, this home puts you close to historic downtown Fernandina Beach and the beach. Inside, the newly remodeled kitchen features quartz countertops, soft-close cabinetry, a new stainless steel range hood, and stainless steel appliances including a double oven. The large air-conditioned four-season porch, enclosed with screened and vinyl windows, extends the living space and overlooks the fenced backyard, where there is plenty of room for a pool. A durable Shark coating enhances the driveway, patio, and walkways, while lush landscaping adds to the home's inviting curb appeal. Additional features include a 2-car attached garage, 2024 roof, new HVAC, and updated lighting. With no HOA or CDD restrictions, there's flexibility to enjoy the property your way.
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 (that applies to the reference bill above too).
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,300 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
As of October 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 parking
Main Beach Parkabout 1 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 1.0 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 1 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 0.8 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 2 mi · 1385 Amelia Plaza, 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:52 AM, sunset 5:29 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $584,900 in December 2025(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $532,252 | $532,252 | — |
2025 property taxes (current owner): $8,701/yr
Estimated taxes if purchased at asking price: ~$9,600/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
- Nov 9, 2026Price change$599,000−$20,000
- Oct 26, 2026Price change$619,000−$30,000
- Sep 30, 2026Listed$649,000
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 $366/sq ft; this home is listed at $454/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 706 N 15th Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Feb 2026 | $399,999 | $328 | 3/2 | 1,220 | 2 | 0.1 |
| 709 Amelia Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2025 | $445,000 | $276 | 3/2 | 1,612 | 132 | 0.1 |
| 1863 Highland Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $550,000 | $366 | 3/2 | 1,504 | 14 | 0.2 |
| 508 Stanley Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $280,000 | $280 | 2/1 | 1,000 | 3 | 0.2 |
| 807 Stanley Drive, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Mar 2026 | $395,000 | $416 | 2/1 | 950 | 5 | 0.2 |
| 1010 N 15th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | May 2026 | $494,900 | $521 | 3/2 | 950 | 91 | 0.4 |
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: FERNANDINA BEACH 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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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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