This home is in Fernandina Beach.
Active·Listed today
1140 N 15th Street
Fernandina Beach, FL 32034
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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) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Located in one of Fernandina Beach's highly sought-after areas, this beautiful home offers convenient access to everything the island has to offer. Thoughtfully renovated from top to bottom, it features a stunning, brand-new chef's kitchen, beautifully updated bathrooms, and an incredible walk-in shower in the primary suite. Enjoy new quartz countertops throughout, waterproof luxury vinyl plank flooring, all-new stainless steel appliances, and stylish new fixtures that add a fresh, modern touch to every space. The owner is putting the finishing touches on this exceptional home, making it the perfect opportunity for its next owner to enjoy a beautifully updated property in a quiet, desirable Fernandina location that offers a wonderful view of Eagan's Creek. Don't miss your chance to make this stunning home your own!
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 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: material not specified — year not disclosed (home built 1956)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,588 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $302/yr
Estimated taxes if purchased at asking price: ~$9,900/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 16, 2026Listed$595,000
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 $321/sq ft; this home is listed at $387/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 29 N 14th Place, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Dec 2025 | $300,000 | $260 | 4/2 | 1,154 | 168 | 0.1 |
| 2041 Oak Marsh Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2025 | $625,000 | $334 | 3/2 | 1,872 | 49 | 0.1 |
| 1010 Calle Corta, Fernandina Beach, FL 32034Listed by 1 REALTY CORP | Apr 2026 | $359,000 | $321 | 3/2 | 1,118 | 10 | 0.2 |
| 830 N 15th Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2025 | $455,000 | $313 | 3/2 | 1,453 | 89 | 0.3 |
| 706 N 15th Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Feb 2026 | $399,999 | $328 | 3/2 | 1,220 | 2 | 0.5 |
| 709 Amelia Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2025 | $445,000 | $276 | 3/2 | 1,612 | 132 | 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: HI
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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