$440,000
2734B OCEAN Drive, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Oceanside
- Price
- $440,000
- Beds / Baths
- 3 / 2
- Living area
- 1,252 sqft
- Year built
- 1986
- Type
- Townhouse
- Lot
- 0.07 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 75
$351/sqft asking, vs a $372/sqft median across 16 closed sales in 32034 over the last 12 months — 6% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Just a quick jaunt to the stunning beaches of Amelia Island, this townhome offers the kind of coastal lifestyle that most people only dream about. Close enough to catch the sound of the waves on a quiet evening or early morning, yet perfectly positioned to enjoy everything this remarkable island has to offer. Centrally located on the island, you are moments from the charm of historic downtown Fernandina Beach - where tree-lined streets invite you to stroll, browse boutique shops, dine at locally beloved restaurants, and watch breathtaking sunsets melt over the Intracoastal Waterway. Fort Clinch State Park is just down the road, offering a living piece of Civil War history with engaging reenactments, living history events, and miles of bike trails winding beneath a canopy of massive and centuries-old live oak trees. This attached townhome-style unit has a large kitchen with updated shaker cabinets and a charming bay window - ideal as a breakfast nook, making it a true eat-in kitchen. The second level holds three comfortable bedrooms sharing an updated full bathroom. Luxury vinyl plank is throughout the lower floor and ceramic tile is throughout the upper floor. Step outside to your large private back deck -- the perfect setting for morning coffee, evening entertaining, and weekend grilling. The unit is short-term rental eligible with a 30-day minimum. The unit was updated with vinyl windows throughout. Whether you are looking for a primary residence with income potential, a coastal investment property, or a foothold on one of Florida's most beloved barrier islands - this townhome is a compelling opportunity that deserves your attention.
What to check on this one
- Verify roof age and condition; 1986 home may need inspection soon for insurance eligibility.
- Obtain 4-point inspection (roof, HVAC, plumbing, electrical) before offer—lender/insurer will require.
- Confirm flood zone designation and whether elevation certificate is on file with county.
- Request plumbing material records; cast-iron lines common in 1986—potential replacement cost issue.
- Verify HVAC age, maintenance history, and current working condition; original likely nearing end-of-life.
- Check with Nassau County Property Appraiser for any unpaid HOA/CDD liens or special assessments.
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 $352,000 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 16, 2026, 6:43 AM.
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