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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 — an oceanfront home in Northeast Florida.

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Active·Listed today

3150 S Fletcher Avenue 403

Fernandina Beach, FL 32034

$699,990$686/sqftEst. $3,877/moMLS# 2168526
2
Beds
2
Baths
1,020
Sq Ft
1984
Built
—
Garage
No
Pool
HOA $728/moWaterfrontCondominium1 story

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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

SIT BACK, RELAX, and SOAK UP your DAILY DOSE of VITAMIN SEA! This TOP-FLOOR 2 bed/2 bath oceanfront condo sits in the best spot at Ketch Courtyard, a QUAINT BOUTIQUE COMPLEX, it's just steps from the surf. Centered in the building, Unit 403 offers DIRECT OCEAN VIEWS and UNFORGETTABLE SUNRISES. Inside, CHARMING COFFERED CEILINGS add a custom touch, and TILE FLOORING THROUGHOUT makes upkeep a breeze. The kitchen features granite countertops and a breakfast bar, perfect for morning coffee with a view. A separate laundry room with extra storage keeps everything tidy. The Unit comes FULLY FURNISHED with some warm wood-tone furniture and is completely turnkey. Just bring your suitcase or your first guests! With a STRONG RENTAL HISTORY and 2026 on TRACK to GROSS AROUND $42,000, this is a proven short-term rental that's ready to**KEEP EARNING** from day one. The building has already COMPLETED its RENOVATIONS, there's no downtime and no waiting. Stroll the PRIVATE BEACH WALKOVER to the water

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,877
Property taxesest. at asking price, Nassau County$966
HOAbilled monthly$728
Estimated total, before insurance$5,572/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

$699,990
$139,998
Loan Term
Monthly Payment
$3,877
Principal & Interest: $3,877
Property taxes (est.): $966
Insurance (est.): $467
Estimated Total Monthly
$5,310
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:24 AM, sunset 7:02 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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 8, 2026Listed$699,990

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

Features

Price$699,990
Price / Sq Ft$686
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,020
Year Built1984
TypeResidential
Sub-TypeCondominium
StyleCondotel
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

ElementaryAtlantic

Community Information

Address3150 S Fletcher Avenue 403, Fernandina Beach, FL 32034
Area431-Nassau County Beaches-South
SubdivisionKetch Courtyard
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number00-00-31-141K-0000-0000
ZoningCondominium

Amenities

AmenitiesPool, Cable TV, Elevator(s), Maintenance Grounds, Management - Off Site, Trash, Water
Community FeaturesStreet Lights, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Parking Lot, Unassigned
ViewBeach, Ocean

Interior

Interior FeaturesBreakfast Bar, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Rear Porch
ConstructionBlock
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 9, 2026
Days on Market0
HOA Fees$728 / Monthly
HOA FrequencyMonthly
HOA NameKetch Courtyard Assocation
HOA Fee IncludesCable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Trash
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

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.

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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