Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$760,000

1521 AMELIA Circle, Fernandina Beach, FL 32034

Highlands

Price
$760,000
Beds / Baths
4 / 2
Living area
1,986 sqft
Year built
2003
Type
Residential
Lot
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
51

Centrally located with a desirable elevation and just 1 ½ miles from the Atlantic Ocean and downtown Historic Fernandina Beach, this upgraded and enhanced home features granite countertops, Bosch and Energy Star appliances, and Krono laminate flooring in all four bedrooms. The updated lighting, ceiling fans, and premium hardware throughout add to the home's appeal. The bathrooms offer tile and marble finishes, Kohler fixtures, WaterSense toilets, and an accessible walk-in shower. Exterior highlights include a newer roof (2021), a screened porch with deck, an irrigation system, an insulated garage door, a 50-gallon water heater (2025), and much more to ensure your comfort and lasting home value. Built by Coppenbarger Homes. See the attached copy of the list of Improvements/Upgrades.

What to check on this one

  • Verify 2021 roof installation date and confirm builder warranty transfer documents.
  • Obtain flood zone designation and elevation certificate for this Fernandina Beach address.
  • Request 4-point inspection report (roof, HVAC, plumbing, electrical) before closing.
  • Confirm 2025 water heater warranty is transferable to new owner.
  • Review seller's list of upgrades and request receipts for major work post-2003.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,943/mo
Property tax (1.1% eff., Nassau Co.)$697/mo
Homeowners insurance (est.)$443/mo
All-in monthly (est.)$5,083/mo

Loan $608,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS. Data via realMLS (Northeast Florida MLS), updated Apr 11, 2026, 4:45 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.