This home is in Fernandina Beach.
Active·2 days on market
2628 Pirates Bay Drive
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
POOL HOME IN FERNANDINA BEACH! Welcome to island living at it's finest! This 3 bedroom, 2 bath home is perfectly situated in one of Amelia Island's most sought after neighborhoods, offering the ideal blend of comfort, convenience, and coastal charm. Centrally located on the island, you'll enjoy easy access to the beautiful Atlantic Ocean, nearby shopping, restaurants, and all the amenities that make Amelia Island such a desirable place to call home. Designed for both entertaining and tranquil relaxation, the outdoor space is a true highlight. Step out back to discover your own inground pool---the ultimate centerpiece for hosting summer barbeques, cooling off on warm Florida afternoons, or lounging under the stars. Recent updates provide peace of mind and modern appeal, including a new roof, new skylights, and fresh interior and exterior paint, making this home truly move-in ready.
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.
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1989)
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: ~1,377 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.
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 access
Beach access 23, S Fletcher Ave. & D Streetabout 0.4 mi
Closest park or preserve
Egans Creek Greenwayabout 2 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 2 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 14 mi · Baseball, Football, Softball
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.
History
Price & status history
- Oct 15, 2026Listed$639,000
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 $377/sq ft; this home is listed at $424/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2330 Pirates Bay Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLC | Mar 2026 | $660,000 | $453 | 3/2 | 1,458 | 34 | 0.1 |
| 2265 Captain Kidd Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Mar 2026 | $650,000 | $333 | 4/2 | 1,951 | 29 | 0.2 |
| 2011 Ryan Road, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $642,000 | $364 | 3/2.5 | 1,764 | 2 | 0.3 |
| 1709 Crescent Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Mar 2026 | $530,000 | $400 | 3/2 | 1,324 | 4 | 0.4 |
| 1506 Coventry Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2026 | $610,000 | $354 | 3/2 | 1,722 | 3 | 0.5 |
| 1812 Sterling Lane, Fernandina Beach, FL 32034Listed by CABANA LANE, INC | Mar 2026 | $508,000 | $377 | 3/2 | 1,346 | 88 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER THE AMELIA GROUP
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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Northeast Florida living
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