$595,000
803 SAN FERNANDO Street, Fernandina Beach, FL 32034
Old Town
- Price
- $595,000
- Beds / Baths
- 2 / 2
- Living area
- 964 sqft
- Year built
- 1935
- Type
- Residential
- Lot
- 0.2 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 85
- Elementary
- Southside
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$617/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 144% above the area's closed prices. Condition and lot vary; that's what a showing is for.
On one of the most sought after streets in Old Fernandina, this charming wood frame cottage sits on two beautiful lots on the high point in old town with beautiful vistas looking to the intracoastal water way. The home has original hard wood floors and has as served as a profitable rental property for serval years. Can continue to keep as a rental, or divide into two buildable lots. Has small storage building on the property.
What to check on this one
- Verify roof age and condition — 1935 home likely needs inspection before insuring
- Order 4-point inspection (roof, HVAC, plumbing, electrical) — NE Florida insurer standard
- Confirm flood zone via FEMA map — high point claim needs documentation
- Pull septic/well service records — verify systems functional for continued rental use
- Review STR eligibility with Nassau County — rental history requires compliance check
- Get elevation certificate if flood zone AE/VE — required for mortgage lenders
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 $476,000 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 HOMESERVICES FLORIDA NETWORK REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 11, 2026, 8:09 PM.
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