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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$1,199,000

1606 ATLANTIC Avenue, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034

City Of Fernandina Beach

Price
$1,199,000
Beds / Baths
3 / 3
Living area
2,547 sqft
Year built
1979
Type
Residential
Lot
0.48 ac
Garage
3
HOA
None
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
3

There's a corner in Fernandina Beach where the whole island feels within reach, and this brick one level pool home sits right in the middle of it, set on a double lot spanning nearly half an acre. Historic Downtown is one way, Main Beach the other, with Egan's Creek Greenway, Fort Clinch, and three parks all close by. This one has been renovated with real attention to detail and is a host's dream! Three bedrooms, three baths, all on one floor, with a working wood burning fireplace and plaster finish anchoring the living space, and a large, sunny dayroom just off the pool deck with a triple slider that opens the whole space up. New plumbing, an updated HVAC system, and new windows round out the big ticket updates, and the kitchen has been completely reimagined with new cabinetry, all new LG appliances, and a scullery for extra prep space and storage, while the bathrooms feature fully updated custom tile throughout. Outside is where this one really stands out. A new deck overlooks the fully fenced backyard, fresh landscaping, and an in-ground pool with a new AquaStrong system and timer. A French drain and outdoor shower add practical touches, and outdoor lighting keeps the space usable well after sunset. An extra deep 2.5 car garage with fresh Epoxy flooring adds 700 square feet of storage and workspace. This is a home where the big projects are already done. Schedule your private showing and see it for yourself.

What to check on this one

  • Verify roof age and obtain current homeowner's insurance quote—1979 home may face insurer restrictions.
  • Request 4-point inspection report and wind-mitigation documentation for pre-1980s construction.
  • Confirm flood zone designation with FEMA map; obtain elevation certificate if in AE/VE zone.
  • Review new plumbing scope—verify original polybutylene or cast-iron was fully replaced.
  • Get HVAC and pool system warranty details; confirm AquaStrong system maintenance history.

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$6,221/mo
Property tax (1.1% eff., Nassau Co.)$1,099/mo
Homeowners insurance (est.)$699/mo
All-in monthly (est.)$8,019/mo

Loan $959,200 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 12, 2026, 4:33 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.