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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Fernandina Beach High School.

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Active

Active·Listed today

1721 Atlantic Avenue

Fernandina Beach, FL 32034

$865,000$519/sqftEst. $4,716/mo mortgageMLS# 2171367
2
Beds
1
Baths
1,668
Sq Ft
1941
Built
2
Garage
No
Pool
No HOA15,682 sqft lotSingle Family Residence1 story

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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

Unlock the possibilities of this charming 1940s home on picturesque Atlantic Avenue in beautiful Fernandina Beach! Brimming with vintage character and renovation potential, this property offers an opportunity to restore a classic island home. Featuring an attractive brick facade, the 2-bedroom, 1-bath residence retains beautiful hardwood floors and timeless details. Ready for updating, it offers an inviting canvas to preserve its original charm or create a personalized coastal retreat. Additional possibilities await with a detached studio featuring its own bathroom and garage. Imagine a creative workspace, hobby studio, private retreat, or flexible space to suit your needs. The generous lot features mature shade trees and a lovely natural setting, with room for a swimming pool and outdoor entertaining area. Create your own private oasis with lush landscaping and inviting gathering spaces. Location is a standout feature! Enjoy proximity to the Atlantic Ocean, Fernandina's

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$4,716
Property taxesest. at asking price, Nassau County$1,194
Estimated total, before insurance$5,910/mo
  • • 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

$865,000
$173,000
Loan Term
Monthly Payment
$4,716
Principal & Interest: $4,716
Property taxes (est.): $1,194
Insurance (est.): $577
Estimated Total Monthly
$6,487
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1941)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,346 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 home

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.

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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:39 AM, sunset 6:40 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 29, 2026Listed$865,000

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 $372/sq ft; this home is listed at $519/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
112 S 14th Street, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSFeb 2026$400,000$2943/21,3602210.3
1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYApr 2026$839,000$3924/22,138880.4
226 Vernon Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$755,000$3724/32,03220.5
1860 Highland Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYAug 2026$725,000$4223/21,718890.6
706 N 15th Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYFeb 2026$399,999$3283/21,22020.6
1421 Hickory Street, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$2432/21,808140.7

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

Price$865,000
Price / Sq Ft$519
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,668
Total Structure Area2,284 sq ft
Acres0.36 acres
Year Built1941
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionFixer
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address1721 Atlantic Avenue, Fernandina Beach, FL 32034
Area420-Fernandina Beach-Downtown-East
SubdivisionAtlantic Highlands
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size15,681.6 sq ft
Lot Dimensions102 x 150
Parcel Number00-00-31-1060-000B-0032
ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingDetached, Garage, Off Street

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Pantry
AppliancesElectric Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Lot DescriptionCorner Lot
Patio / PorchPatio
FencingFenced, Back Yard
RoofShingle
ConstructionBrick
Other StructuresWorkshop
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 29, 2026
Days on Market0
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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