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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.

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Active

$375,0003 bd · 2 ba · 1,044 sq ft

Active·3 days on market

824 S 10th Street

Fernandina Beach, FL 32034

$375,000$359/sqftEst. $2,044/mo mortgageMLS# 2172057
Open house Sat, Nov 7 · 10:00 am–1:00 pm
3
Beds
2
Baths
1,044
Sq Ft
1997
Built
—
Garage
No
Pool
FEMA Zone XNo HOA4,792 sqft lotSingle Family Residence1 story

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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

Move-in ready and completely updated! This 3-bedroom, 2-bath home in the heart of Fernandina Beach has been renovated from top to bottom. Updates include new flooring, fresh paint, a completely renovated kitchen with new cabinets, countertops, and stainless steel appliances, plus two updated bathrooms. The big-ticket items have been taken care of too, with a new roof (2026), new A/C (2026), and new vinyl fencing. Enjoy your morning coffee on the front porch or head out to enjoy everything Fernandina Beach has to offer. Centrally located on the island, you're just minutes from historic downtown, the beaches, restaurants, shopping, and more. With all the updates already done and a location that's convenient to everything, all that's left to do is move in!

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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$2,044
Property taxesest. at asking price, Nassau County$518
Estimated total, before insurance$2,562/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,071/yr · $339/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$375,000
$75,000
Loan Term
Monthly Payment
$2,044
Principal & Interest: $2,044
Property taxes (est.): $518
Insurance (est.): $250
Estimated Total Monthly
$2,812
*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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,312 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

As 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.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2024$221,544$193,141—
2023$206,859$175,583—
2022$184,849$159,621—
2021$145,110$145,110—
2020$128,656$111,304—

2025 property taxes (current owner): $4,071/yr

Estimated taxes if purchased at asking price: ~$6,200/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2024), NEFMLS.

History

Price & status history

  • Nov 3, 2026Listed$375,000

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 $351/sq ft; this home is listed at $359/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
831 Division Street, Fernandina Beach, FL 32034Listed by SALT HARBOR REAL ESTATE COMPANY LLCMay 2026$420,000$3513/21,19560.1
728 9th Street A&B, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$220,000$1724/21,27690.1
1024 S 9th Street, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$200,000$2312/186480.2
610 Division Street, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2025$280,000$2343/21,197800.2
1305 Hickory Street, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC.Dec 2025$365,000$4322/1.5845770.3
1319 Hickory Street, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2025$379,900$4402/186480.3

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

Price$375,000
Price / Sq Ft$359
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,044
Acres0.11 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address824 S 10th Street, Fernandina Beach, FL 32034
Area410-Fernandina Beach Downtown-West
SubdivisionCity Of Fernandina Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size4,791.6 sq ft
Parcel Number000031180001570110

Amenities

UtilitiesElectricity Connected, Sewer Connected
Water SourcePublic
ParkingAdditional Parking, Off Street

Interior

AppliancesDishwasher, Electric Cooktop, Electric Range, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch
FencingBack Yard, Vinyl
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 3, 2026
Days on Market3
Tax Amount$4,070.65
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT 1 STOP REALTY

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

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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20+ years · 500+ closings · NE Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/7/2026

10:00 am - 1:00 pm