$544,900
523 S 13TH Terrace, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
City Of Fernandina Beach
- Price
- $544,900
- Beds / Baths
- 3 / 3
- Living area
- 1,448 sqft
- Year built
- 2023
- Type
- Residential
- Lot
- 0.06 ac
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 62
$376/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 48% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Downtown Fernandina Beach is more than a destination--it's a lifestyle. At 523 S. 13th Terrace, you're just minutes from Centre Street's restaurants, boutiques, waterfront sunsets, and the everyday charm that makes Amelia Island so special. Built in 2023, this thoughtfully designed home offers the perfect blend of modern construction and coastal convenience. Soaring ceilings create an open, airy feel, while the chef-inspired kitchen features quartz countertops, stainless steel appliances, and a generous island that naturally becomes the gathering place for family and friends. Upstairs, spacious bedrooms provide comfort and privacy, including a serene primary suite designed for relaxation at the end of the day. With all major systems new in 2023, you'll enjoy the peace of mind and low-maintenance lifestyle today's buyers are seeking. Step outside to a raised patio and fenced backyard, creating the perfect space for morning coffee, weekend cookouts, or quiet evenings under the stars. A one-car garage and manageable lot size make everyday living simple and efficient. Perfectly positioned between downtown Fernandina Beach and Main Beach, this location makes it easy to embrace the Amelia Island lifestyle. Hop on your bike, take a golf cart ride to Centre Street for dinner, or spend the afternoon with your toes in the sand. Few locations offer this level of convenience to both the beach and downtown. Move-in ready and beautifully maintained, this home offers a rare opportunity to enjoy newer construction in one of Fernandina Beach's most desirable in-town locations. Love Where You Live.
What to check on this one
- Verify exact flood zone designation with Nassau County Property Appraiser or FEMA map.
- Confirm 2023 roof/HVAC warranty transfer and document all builder guarantees in place.
- Request builder's 1-year and 10-year structural/mechanical defect warranties in writing.
- Verify property survey is current and lot lines match recorded deed.
- Check Nassau County permits filed for 2023 construction — ensure all CO issued.
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 $435,920 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 SUMMER HOUSE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 6:40 AM.
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