Active·Listed today
23525 Bahama Point 1621
Fernandina Beach, FL 32034
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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
RARE 3-BEDROOM CONDO WITH GARAGE IN AMELIA LAKES! Tucked away at the peaceful end of this gated lakefront community, this well-maintained second-floor villa offers privacy, serene lake views, and a desirable floor plan. Enjoy 3 bedrooms, 2 baths, vaulted ceilings, a wood-burning fireplace, open dining area, functional kitchen with newer appliances, and a screened balcony overlooking the water. The spacious primary suite features lake views, a soaking tub, double vanity, and 2 walk-in closets. All bedrooms have walk-in closets, offering flexibility for guests or a home office. Updates include new HVAC, water heater, and roof, plus newer interior paint and fresh exterior paint. Move-in ready with potential for cosmetic updates, low condo fees, and a detached garage. Community amenities include a pool, tennis courts, fitness center, clubhouse, playground, car care center, and fishing pier. Ideal for full-time living, a vacation getaway, or investment.
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: material not specified — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,668 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
Beach access 40, S Fletcher Ave. & Pascoabout 5 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 6 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 0.6 mi · 464016 State Road 200, Yulee
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 21, 2026Listed$319,000
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 $201/sq ft; this home is listed at $222/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 31135 Paradise Commons 628, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Feb 2026 | $215,000 | $182 | 2/2 | 1,181 | 199 | 0.2 |
| 31010 Paradise Commons 416, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Dec 2025 | $230,000 | $201 | 2/2 | 1,143 | 61 | 0.2 |
| 23699 Bahama Point 1115, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Nov 2025 | $250,000 | $212 | 0/2 | 1,181 | 11 | 0.2 |
| 31010 Paradise Cmns 412, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Nov 2025 | $285,000 | $249 | 2/2 | 1,143 | 259 | 0.2 |
| 30936 Paradise Commons 217, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Feb 2026 | $180,000 | $157 | 2/2 | 1,143 | 247 | 0.3 |
| 96004 Stoney Drive 2402, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2025 | $275,000 | $186 | 3/2.5 | 1,477 | 136 | 0.3 |
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: IRON VALLEY REAL ESTATE NORTH FLORIDA
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
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