$280,000
919 S 12TH Street, Fernandina Beach, FL 32034
Fernandina Beach
- Price
- $280,000
- Beds / Baths
- 3 / 1
- Living area
- 1,066 sqft
- Year built
- 1974
- Type
- Residential
- Lot
- 0.15 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 105
Opportunity knocks in the heart of Fernandina Beach! This 3-bedroom, 1-bath home offers 1,066 sq ft of potential on a quiet street in a highly desirable location. Built in 1974 and connected to city water & sewer, this compact home is the perfect canvas for investors, flippers, or anyone ready to create their dream coastal retreat. With solid bones and endless possibilities, a little vision and updating can go a long way here! Tucked away in a peaceful neighborhood while still being close to beaches, shopping, dining, and local attractions, this property combines location and opportunity at an affordable price point. Whether you're looking for your next renovation project or a home you can personalize from the ground up, this one is worth a look. Selling As-Is, Where-Is. Bring your ideas, your contractor, and your best offer before this hidden gem is gone!
What to check on this one
- Verify actual flood zone designation at Nassau County Property Appraiser; obtain FEMA map.
- Get roof age and condition assessment; 1974 home may exceed insurer 15-20 year threshold.
- Inspect plumbing type—cast-iron or polybutylene common in 1974; replacement costs significant.
- Order 4-point inspection and wind-mitigation report for insurance eligibility.
- Confirm city water/sewer connection in writing; verify no septic system present.
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
Loan $224,000 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 FREEDOM REALTY GROUP LLC. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 1:45 PM.
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