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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$975,000

554 SANTA MARIA Drive, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034

Isle De Mai at Amelia

Price
$975,000
Beds / Baths
4 / 3
Living area
2,626 sqft
Year built
2008
Type
Residential
Lot
0.24 ac
Garage
2
HOA
$58/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
47

$371/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 46% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Updated Amelia Island Heated Pool Home with New Roof and Lanai Screen | Minutes to Beach & Downtown Fernandina Located in the highly desirable Isle de Mai community on Amelia Island, this beautifully maintained 4-bedroom, 3-bath pool home has the ideal blend of coastal living, comfort, and convenience. The open floor plan featuring high ceilings, crown molding, spacious living areas, and a split-bedroom layout designed for privacy and functionality. The renovated chef's kitchen opens seamlessly to the great room overlooking the screened lanai, heated pool, and spa - entertain or relax year-round. Recent updates and upgrades include: * New roof (2024) * Newly replaced pool screen enclosure (2024) * 25-year Rhino Shield ceramic exterior coating * Pool & spa heat pump * Carrier Heating & AC system * Reem water treatment system * Smartcore premium waterproof flooring * Custom lighting * Consistent and ongoing termite, pest, and rodent control

What to check on this one

  • Verify new roof (2024) has proper warranty documentation and manufacturer details.
  • Confirm flood zone designation; request elevation certificate if in AE/VE zone.
  • Review Isle de Mai HOA documents, CC&Rs, and any rental restrictions.
  • Inspect pool/spa heat pump maintenance records and equipment warranties.
  • Verify Carrier HVAC system age, service history, and remaining warranty.
  • Confirm exterior Rhino Shield coating warranty and reapplication timeline.

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$5,059/mo
Property tax (1.1% eff., Nassau Co.)$894/mo
Homeowners insurance (est.)$569/mo
HOA$58/mo
All-in monthly (est.)$6,580/mo

Loan $780,000 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 28, 2026, 11:08 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.