Skip to main content
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.

Photo 1 / 59
Active

Active·Listed today

1132 N Fletcher Avenue

Fernandina Beach, FL 32034

$2,400,000$798/sqftEst. $13,137/moMLS# 2167944
4
Beds
3.5
Baths
3,006
Sq Ft
2026
Built
4
Garage
No
Pool
No HOA5,227 sqft lotSingle Family Residence3 storiesNew construction

See it this week

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) 333-8595 Text Krista

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

About this home

Fernandina Beach

Located on the secluded northern tip of Amelia Island near Fort Clinch State Park, this coastal home was completed in 2026 by luxury homebuilder Rewa Custom Homes. This 4 bed, 3.5 bath, 3,006 sq ft home sits just 160 ft from the beach and was thoughtfully engineered for low maintenance and storm resilience. An elevator accesses all three floors, and a whole-home generator offers peace of mind. Incredible ocean views, expansive cantilevered balconies, rooftop deck with spiral staircase, and outdoor shower enhance the coastal setting. The kitchen features white shaker cabinetry, two pull-out pantries, GE Café gas appliances, and 10-ft quartz island. The garage accommodates four vehicles plus a golf cart and is EV-ready. Soundproof floors and walls, two high-efficiency HVACs, gas appliances, lighted staircases, CMU construction with breakaway walls and vents, standing-seam metal roof, and weather-resistant Pli-Dek/Con-Dek balcony system provide thoughtful upgrades throughout.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$13,137
Property taxesest. at asking price, Nassau County$3,313
Estimated total, before insurance$16,450/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

$2,400,000
$480,000
Loan Term
Monthly Payment
$13,137
Principal & Interest: $13,137
Property taxes (est.): $3,313
Insurance (est.): $1,600
Estimated Total Monthly
$18,050
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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: Metal — year not disclosed (home built 2026)

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

Solar potential: ~1,778 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.

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 7:22 AM, sunset 7:05 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.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • 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.

History

Price & status history

  • Oct 5, 2026Listed$2,400,000

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

Features

Price$2,400,000
Price / Sq Ft$798
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,006
Total Structure Area4,652 sq ft
Acres0.12 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages4
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesWest

School Information

Community Information

Address1132 N Fletcher Avenue, Fernandina Beach, FL 32034
Area430-Nassau County Beaches-North
SubdivisionFernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size5,227.2 sq ft
Lot Dimensions50' x 100'
Parcel Number093N29000000110000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances, Construction, Doors, HVAC, Insulation, Lighting, Roof, Thermostat, Water Heater, Windows
ParkingElectric Vehicle Charging Station(s), Garage, Garage Door Opener, Off Street
ViewBeach, Intracoastal, Ocean, River, Trees/Woods, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Freezer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories3
LevelsThree Or More
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Outdoor Shower
Patio / PorchCovered, Deck, Front Porch, Patio, Porch, Rear Porch
FencingOther
RoofMetal
ConstructionFiber Cement
Road FrontageCity Street

Additional Information

Date ListedOctober 5, 2026
Days on Market46
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines