$639,900
1524 RUSKIN Lane, Fernandina Beach, FL 32034
Amelia Park
- Price
- $639,900
- Beds / Baths
- 3 / 3
- Living area
- 1,998 sqft
- Year built
- 2005
- Type
- Townhouse
- Lot
- 0.07 ac
- Garage
- 2
- HOA
- $65/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 96
$320/sqft asking, vs a $372/sqft median across 16 closed sales in 32034 over the last 12 months — 14% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Welcome to the highly desirable Garden District of Amelia Park, one of Amelia Island's most sought-after communities known for its charming streetscapes, walkability, and exceptional island lifestyle. This beautifully maintained 3-bedroom, 2.5-bath townhome offers an open-concept floor plan with soaring ceilings, fully tiled downstairs living areas, and a highly desirable first-floor owner's suite. The kitchen boasts granite countertops, a convenient bartop, abundant cabinet storage, and overlooks the spacious dining and family room combination, perfect for entertaining and everyday living. Enjoy relaxing on the inviting front patio or private upper balcony overlooking the lush green space and mature Florida landscaping that make the Garden District so special. The rear enclosed patio features pavers and added privacy, creating the perfect outdoor retreat, while the two-car garage provides ample storage and convenience. Located just steps from boutique shopping, restaurants, parks, and community amenities, this home offers the perfect blend of comfort, convenience, and coastal living in the heart of Amelia Island. Rare opportunities like this in the Garden District don't come along often.
What to check on this one
- Verify HOA rules allow short-term rentals if that's your plan.
- Confirm flood zone designation and obtain elevation certificate if needed.
- Request 4-point inspection and wind-mitigation report (21-year-old townhouse).
- Review HOA financials, reserve study, and any pending assessments.
- Confirm roof age and ask for maintenance/replacement records.
- Check for polybutylene plumbing (pre-1995 construction era risk).
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 $511,920 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Jun 29, 2026, 7:18 PM.
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