$1,649,000
22 N 4TH Street, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
City Of Fernandina Beach
- Price
- $1,649,000
- Beds / Baths
- 4 / 3
- Living area
- 3,745 sqft
- Year built
- 1911
- Type
- Residential
- Lot
- 0.12 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 228
- Elementary
- Southside
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$440/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 74% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Step into timeless grandeur with this meticulously renovated 1883 residence in the heart of Amelia Island. Boasting 4 bedrooms, 3 baths, and 3,745 sq ft of living space, this historic home blends old-world charm with modern convenience. A comprehensive renovation revitalized every corner, while the addition of an elevator enhances accessibility throughout the multi-level design. Flexible C-3 zoning allows a variety of uses and the option to rent the rear space for additional income. Nestled at 22 North 4th Street in the Fernandina Beach Historic District, enjoy walkable access to the riverfront, beach, dining, and boutique shopping. With its perfect fusion of vintage elegance and contemporary comfort, this property offers endless possibilities for living, working, or investing in the island's most coveted location.
What to check on this one
- Verify roof age and condition; 115-year-old home likely needs inspection and insurance approval.
- Obtain 4-point inspection (roof, plumbing, electrical, HVAC) and wind-mitigation report for underwriting.
- Confirm actual flood zone designation and request elevation certificate if in AE/VE.
- Review plumbing materials used in renovation; original cast-iron or polybutylene requires replacement.
- Verify C-3 zoning allowances, rental restrictions, and permit history for rear-space income use.
- Request renovation permits, structural engineer reports, and elevator inspection/maintenance 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
Loan $1,319,200 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 BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS. Data via realMLS (Northeast Florida MLS), updated Aug 8, 2026, 8:15 PM.
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