This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·3 days on market
1190 Beach Walker Road
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
THREE OUTDOOR LIVING SPACES & OCEAN VIEWS IN BEACH WALKER! The standout feature of this updated 3BR/3BA villa in Amelia Island Plantation is the expansive upper-level sun deck with beautiful Atlantic Ocean views and plenty of space to relax or entertain. Two additional balconies, one off the kitchen and another off a guest bedroom, offer even more outdoor living space. Offered fully furnished and move-in ready, the villa features a renovated kitchen, smooth ceilings, plantation shutters, and impact-rated windows and sliding doors. A versatile fourth room with twin beds provides flexible sleeping or office space, while a loft above the primary bedroom offers an additional lounge or workspace. Major building improvements include a new roof, exterior EIFS restoration, resealed walkways and decks, and coated and lined common plumbing. Enjoy ocean views, flexible living spaces, and the coastal lifestyle of Amelia Island Plantation!
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1974)
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: ~1,656 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, league fields and grocery store from this home's location.
Closest beach parking
Dune Walk 110about 0.9 mi · 19 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 3 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 3 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest grocery store
Harris Teeterabout 3 mi · 4800 1st Coast Highway, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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 19, 2026Listed$1,450,000
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 $630/sq ft; this home is listed at $943/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1169 Beach Walker Road 1169, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Feb 2026 | $1,000,000 | $611 | 4/4 | 1,636 | 12 | 0 |
| 1185 Beach Walker Road 1185, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2025 | $1,050,000 | $809 | 2/2 | 1,298 | 34 | 0 |
| 1391 Shipwatch Circle, Fernandina Beach, FL 32034Listed by COMPASS FLORIDA LLC | Jul 2026 | $965,000 | $764 | 2/2 | 1,263 | 54 | 0.2 |
| 1350 Shipwatch Circle, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Mar 2026 | $1,040,000 | $630 | 2/2 | 1,650 | 28 | 0.2 |
| 1334 Shipwatch Circle 1334, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jan 2026 | $810,000 | $593 | 2/2 | 1,367 | 24 | 0.2 |
| 1368 Shipwatch Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2025 | $850,000 | $609 | 2/2 | 1,395 | 106 | 0.2 |
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: AMELIA ISLAND REAL ESTATE SERVICES
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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