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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$462,000

2162 TALBOT, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034

Island Grove

Price
$462,000
Beds / Baths
3 / 2
Living area
1,144 sqft
Year built
1986
Type
Residential
Lot
0.3 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
63

$404/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 59% above the area's closed prices. Condition and lot vary; that's what a showing is for.

This wonderfully charming 3 bedroom 2 bath home is a rare opportunity to live in a wonderful tree-covered neighborhood. The beach is only three minutes away by car and a short walking distance to shopping. It is on a cul-de-sac with no traffic in a very quiet and safe neighborhood where you can stroll down the street and sit outside. Newly renovated. The house features spacious rooms with ample natural light, creating a warm and welcoming atmosphere The large lot is undeveloped in the back and available for future expansion or a pool.

What to check on this one

  • Confirm flood zone designation and obtain elevation certificate if AE/VE
  • Verify roof age and obtain insurer-approved inspection report
  • Request 4-point inspection given 1986 build year
  • Confirm plumbing type (polybutylene/cast-iron risk pre-1995)
  • Review scope and permits for all renovation work completed
  • Inspect HVAC age and service records

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$2,397/mo
Property tax (1.1% eff., Nassau Co.)$424/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$3,113/mo

Loan $369,600 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 BEYCOME OF FLORIDA LLC. Data via realMLS (Northeast Florida MLS), updated Jul 31, 2026, 6:13 PM.

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.