$1,425,000
1012 OCEAN OAKS Drive S, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Ocean Oaks
- Price
- $1,425,000
- Beds / Baths
- 4 / 3
- Living area
- 2,640 sqft
- Year built
- 1997
- Type
- Residential
- Lot
- 0.46 ac
- Garage
- 2
- HOA
- $30/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 16
Walk to the waves at beach access #9 in 5 minutes! Welcome to your private coastal sanctuary in Fernandina Beach. Situated on a rare, mature nearly half-acre lot, this premier residence provides the ultimate island lifestyle with unbeatable beach proximity. Spanning nearly 2,700 sq ft, this 4-bedroom, 3-bath home balances open entertaining with quiet retreats. Features include a wood-burning fireplace, a dedicated home office, and a sunlit sitting room. The primary suite boasts dual walk-in closets and a spa-like jetted tub. Step outside into your private paradise. A massive, fully screened lanai houses a low-maintenance saltwater pool. Enjoy unmatched backyard privacy surrounded by mature trees, where you can hear the ocean waves at night. Outdoor enthusiasts will love being a 5-minute walk from Egan's Creek Greenway trails. Extras include a 2-car garage with Shark Floor Coating, a paver driveway, and low HOA fees.
What to check on this one
- Verify exact flood zone designation and elevation certificate requirement with Nassau County.
- Confirm roof age and condition; get 4-point inspection quote for 1997 build.
- Request saltwater pool maintenance records and equipment age/warranty status.
- Confirm plumbing type (polybutylene risk for 1997 build); request service history.
- Verify HOA $30/mo covers what; request full HOA docs and covenant review.
- Get wind-mitigation inspection scope and quotes given age and coastal location.
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 $1,140,000 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 BEYCOME OF FLORIDA LLC. Data via realMLS (Northeast Florida MLS), updated Jul 30, 2026, 6:34 PM.
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