This home is in Fernandina Beach — a home near Fernandina Beach High School.
$1,299,0003 bd · 2 ba · 1,946 sq ft
Active·2 days on market
1545 Philips Manor Road
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
THREE PLATTED LOTS. ONE EXCEPTIONAL OPPORTUNITY ON AMELIA ISLAND'S SOUTH END. Situated along desirable Philips Manor Road, near the world-renowned Ritz-Carlton and Omni Amelia Island resorts and less than one mile from the Atlantic Ocean, this approximately 1.55-acre property presents an exciting opportunity for builders, developers, and investors looking to bring their vision to one of Northeast Florida's most sought-after coastal locations. The property encompasses Lots 8, 9, and 10 of the original Philips Manor subdivision, with approximately 300 feet of combined frontage along Philips Manor Road—100 feet per platted lot. Located on Amelia Island in unincorporated Nassau County with NO HOA OR CDD FEES, the property offers the potential for three distinct single-family homesites. Towering oak trees form a shady coastal canopy in an established neighborhood setting, and an existing privacy wall along the adjoining development adds to the property's sense of privacy and character.
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 (that applies to the reference bill above too).
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 (the whole 1.6-acre lot)
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 1962)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,514 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.
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.
Closest beach parking
Peters Point Beachfront Parkabout 0.8 mi · 180 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 5 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 5 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,250/yr
Estimated taxes if purchased at asking price: ~$21,500/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, NEFMLS.
History
Price & status history
- Nov 7, 2026Listed$1,299,000
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 $413/sq ft; this home is listed at $668/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4630 Glyn Woods Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $682,500 | $340 | 3/2.5 | 2,006 | 175 | 0.1 |
| 1587 Regatta Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLC | Apr 2026 | $1,270,000 | $519 | 3/3 | 2,449 | 18 | 0.3 |
| 1347 Autumn, Fernandina Beach, FL 32034Listed by HI | Apr 2026 | $652,500 | $413 | 3/2 | 1,580 | 111 | 0.3 |
| 4433 Bean Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $799,900 | $347 | 3/2.5 | 2,304 | 16 | 0.4 |
| 1558 Plantatin Oaks Terrace, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jan 2026 | $720,000 | $352 | 3/2 | 2,046 | 4 | 0.5 |
| 1750 Regatta Drive, Fernandina Beach, FL 32034Listed by MILLER & COMPANY REAL ESTATE | Apr 2026 | $825,000 | $427 | 3/2 | 1,932 | 14 | 0.6 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CABANA LANE, INC
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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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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