This home is in Fernandina Beach — a home near Fernandina Beach High School.
Active·2 days on market
1108 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
Coastal charm meets island living on Amelia Island! This quaint and character-filled 3-bedroom, 2-bath home sits on over a quarter-acre and offers thoughtful updates, and functionality. Inside, hardwood floors, an open-concept living area, and distinctive shiplap ceilings throughout the living room, kitchen, and hallway create a warm, inviting atmosphere. Two bedrooms feature beautiful tongue-and-groove ceilings, adding even more character! The updated kitchen and bathrooms provide modern appeal while complementing the home's unique style. Outside, enjoy the lush, established landscaping, a spacious backyard with a storage shed ready to become your dream she-shed, hobby space, or garden retreat, and an oversized carport with an additional storage room for all your beach gear and island essentials. The location is hard to beat, nestled between Fernandina Beach's historic downtown district and Amelia Island's beautiful white-sand beaches, both just a short drive away. Whether you're
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1977)
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: ~1,548 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 homeAs 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
North Beach Park (Fernandina)about 1 mi · 30 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 1 mi · 3.6 mi of trails
Closest public boat ramp
Dee Dee Bartels Public Boat Rampabout 1 mi · Amelia River - St. Marys River
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 1 mi · Egan's Creek
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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 7:29 AM, sunset 6:53 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
2025 property taxes (current owner): $4,591/yr
Estimated taxes if purchased at asking price: ~$7,900/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 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Oct 14, 2026Listed$479,000
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 $467/sq ft; this home is listed at $475/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1010 N 15th Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | May 2026 | $494,900 | $521 | 3/2 | 950 | 91 | 0 |
| 1010 N 15th Street, Fernandina Beach, FL 32034Listed by REDFIN CORPORATION | Jul 2025 | $335,000 | $353 | 3/1.5 | 950 | 29 | 0 |
| 1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORP | Apr 2026 | $359,000 | $321 | 3/2 | 1,118 | 10 | 0.1 |
| 1411 Leon Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $515,000 | $515 | 3/2 | 1,000 | 87 | 0.1 |
| 1127 N 15th Street, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2025 | $415,000 | $467 | 2/1 | 888 | 21 | 0.1 |
| 1032 14th Street, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | May 2025 | $410,000 | $410 | 3/1 | 1,000 | 98 | 0.1 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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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