This home is in Fernandina Beach.
$815,0006 bd · 5 ba · 2,904 sq ft
Active·4 days on market
728 Tarpon Avenue
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
Rare income-producing duplex on Amelia Island, just blocks from the Atlantic, located on Tarpon Avenue in one of Fernandina Beach's most established beachside pockets. Unit A has 3 Bedrooms and 2.5 Baths, 1200 sq ft and unit B has 3 Bedrooms 2.5 Baths in 1704 square feet. Step onto the rear 2nd floor decks of either side and you can hear the ocean rolling in! This property has been a reliable rental for years and does need some TLC and represents a great value-add opportunity for an investor or handy owner. The location is the real draw: walk to Main Beach, Fernandina's most popular stretch of sand, just minutes from Fort Clinch State Park's trails and historic fort, and a short drive to the shops, restaurants, and waterfront charm of Historic Downtown Fernandina Beach. With two units under one roof, there's also potential to convert the duplex back into a single-family residence, subject to buyer due diligence with the county.
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: Shingle — year not disclosed (home built 1999)
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: ~1,786 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 November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Beach access 7N, Ocean Ave. & E 4th St.about 0.1 mi
Closest park or preserve
Fort Clinch State Parkabout 0.6 mi · 6.1 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 2 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 0.7 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 2 mi · 1385 Amelia Plaza, 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
- Nov 2, 2026Listed$815,000
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 $620/sq ft; this home is listed at $281/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 532 Sea Island Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Apr 2026 | $1,900,000 | $627 | 3/3 | 3,032 | 3 | 0.2 |
| 548 Sea Island Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $1,750,000 | $620 | 4/3.5 | 2,821 | 107 | 0.2 |
| 1553 N Fletcher Avenue, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $2,525,000 | $785 | 4/3.5 | 3,216 | 86 | 0.8 |
| 1725 Lisa Avenue, Fernandina Beach, FL 32034Listed by EXP REALTY, LLC | Oct 2026 | $625,000 | $269 | 4/3 | 2,322 | 7 | 0.9 |
| 413 Stanley Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $685,000 | $316 | 5/3 | 2,170 | 0 | 0.9 |
| 1615 Highland Dunes Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Apr 2026 | $839,000 | $392 | 4/2 | 2,138 | 88 | 0.9 |
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: LPT REALTY LLC
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines