This home is in Fernandina Beach.
Active·1 day on market
4937 Windward Place
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
Remodeled 3-bedroom, 2-bath, home on a quiet cul-de-sac in Windward Cove, a short bike or golf cart ride to Scott Road beach access. In unincorporated Nassau County with no HOA, it offers short-term rental ability and is deal as a primary home, getaway, or investment. Fresh paint highlights the open layout with vaulted ceilings, recessed lighting, and wide-plank white oak engineered floors. The designer kitchen features custom cabinets, quartzite counters, imported tile backsplash, stainless appliances, pantry, and coffee bar. The primary suite includes a walk-in closet, custom storage, and ensuite bath. A glass slider separates two guest bedrooms and bath from the main living area. French doors open to a screened paver porch with skylights and fan. The landscaped yard features lighting and a detached powered shed with workspace. Extras: owned generator, propane tank, irrigation, water softener, and laundry/sink filtration. Some furniture included- contact agent.
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 1992)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,260 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, league fields and grocery store from this home's location.
Closest beach access
Scott Road Beach Accessabout 0.5 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest grocery store
Harris Teeterabout 0.3 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 25, 2026Listed$674,000
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 $502/sq ft; this home is listed at $472/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1428 Plantation Oaks Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $742,000 | $442 | 3/2 | 1,678 | 2 | 0.1 |
| 4634 Whimbrel Lane, Fernandina Beach, FL 32034Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $530,000 | $427 | 4/2 | 1,242 | 106 | 0.6 |
| 5383 Florence Point Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $1,098,000 | $598 | 3/2 | 1,835 | 2 | 0.8 |
| 1347 Autumn, Fernandina Beach, FL 32034Listed by HI | Apr 2026 | $652,500 | $413 | 3/2 | 1,580 | 111 | 0.8 |
| 3520 1st Avenue, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2026 | $750,000 | $533 | 3/2.5 | 1,406 | 49 | 2.2 |
| 122 Ocean Ridge Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Apr 2026 | $704,000 | $502 | 3/2 | 1,401 | 20 | 2.4 |
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
Broker Associate
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