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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$2,800,000

4670 CARLTON DUNES Drive 3201, Fernandina Beach, FL 32034

Carlton Dunes

Price
$2,800,000
Beds / Baths
4 / 4
Living area
3,046 sqft
Year built
1999
Type
Condo
Lot
Garage
1
HOA
$2,572/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
92

Welcome to oceanfront living at 4670 Carlton Dunes Dr. #3201. Priced with opportunity in mind, this residence offers the chance to refresh, personalize, and create immediate value. Inside, an open floor plan features wood flooring throughout the main living areas and abundant natural light. The kitchen includes stainless steel appliances, quartz countertops, ice maker, wet bar, and beverage center. Enjoy seamless indoor-outdoor living with sunrise views from the oceanfront balcony and sunset views from the west-facing balcony. The 700 sq ft terrace is ideal for relaxing or entertaining. A private elevator opens to your own foyer with added storage. Additional features include two garages, whole-building generator, hurricane shutters, and two pools (one heated). Located near the Ritz-Carlton and Amelia Island Golf Club. Inquire about remodeling estimates.

What to check on this one

  • Obtain condo milestone report and SIRS inspection status—required for 1999 building.
  • Request HOA financial statements, reserve study, and rental restriction policies.
  • Verify flood zone designation and obtain elevation certificate if in AE/VE zone.
  • Confirm roof age and last replacement—critical for insurance approval on 27-year-old condo.
  • Review condo association 4-point inspection report; confirm insurer will cover oceanfront property.
  • Inspect plumbing materials and check for polybutylene lines common in 1999 builds.

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$14,529/mo
Property tax (1.1% eff., Nassau Co.)$2,567/mo
Homeowners insurance (est.)$1,633/mo
HOA$2,572/mo
All-in monthly (est.)$21,301/mo

Loan $2,240,000 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 AMELIA ISLAND REAL ESTATE SERVICES. Data via realMLS (Northeast Florida MLS), updated Jul 15, 2026, 11:54 AM.

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