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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$699,000

1230 BEECH Street, Fernandina Beach, FL 32034

City Of Fernandina Beach

Price
$699,000
Beds / Baths
3 / 2
Living area
1,637 sqft
Year built
1930
Type
Residential
Lot
0.1 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
112
Elementary
Emma Love Hardee
Middle
Fernandina Beach
High school
Fernandina Beach

$427/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 68% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Seller offering up to $10,000 toward buyer closing costs and prepaids with an acceptable offer! Completely remodeled historic Amelia Island home overlooking Central Park and located near the beach, historic downtown, waterfront, local dining, and shopping. This 3-bedroom Fernandina Beach home blends the character buyers want with modern updates, including refinished original hardwood floors, updated plumbing and electrical, new windows and ductwork, plus custom 6'' baseboards, casings, crown molding, and stair rails. Natural light fills the home. The kitchen was designed to stand out, featuring solid wood slim shaker cabinetry with soft-close hinges, quartz countertops, decorator tile backsplash, Amerock hardware, stainless appliances, and bar seating. The upstairs primary suite offers a custom walk-in closet and a spacious bathroom with dual vanities, soaking tub, decorator tile, and a large walk-in shower with dual shower heads. Two downstairs bedrooms provide flexible space for guests or a home office. Main floor bathroom includes a walk-in glass shower with timeless finishes. Outside, the paver driveway and walkways add curb appeal while the fenced backyard, mature trees, spacious rear deck, and shed create usable outdoor space for entertaining, storage, hobbies, or enjoying the coastal lifestyle. Set on a 4,356 sq ft lot directly across from Central Park with quick access to downtown Fernandina Beach and Amelia Island beaches, this move-in ready home offers the rare combination of historic charm, modern improvements, and one of the most convenient island locations. Furniture negotiable and optional home warranty available with accepted offer.

What this home really costs per month

Principal & interest$3,627/mo
Property tax (1.1% eff., Nassau Co.)$641/mo
Homeowners insurance (est.)$408/mo
All-in monthly (est.)$4,676/mo

Loan $559,200 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 SUMMER HOUSE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 9, 2026, 1:21 AM.

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.