$739,000
410 CEDAR Street, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
City Of Fernandina Beach
- Price
- $739,000
- Beds / Baths
- 2 / 2
- Living area
- 946 sqft
- Year built
- 2007
- Type
- Residential
- Lot
- 0.11 ac
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 3
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
Experience the best of downtown Fernandina Beach living from this charming home located in the heart of the Historic District. Built in 2007 with 2x6 construction and Hardie Board siding, this thoughtfully designed home offers the charm and character you expect downtown with the benefits of newer construction. Welcoming porches, high ceilings, abundant natural light, plantation shutters and beautiful Brazilian walnut flooring create a warm and inviting interior. The kitchen is full of personality with teak wood countertops and striking blue ornamental tile, creating a space that feels anything but ordinary. The main portion of the home includes a comfortable bedroom and full bath, while the second bedroom and bath are accessed from the breezy side porch.. an ideal arrangement for guests, a private home office, studio or additional living space. An oversized one-car garage with generous storage provides room for hobbies, bikes, beach gear and more. The versatile lot also offers additional parking and plenty of opportunity to create your own garden or outdoor entertaining space. From morning coffee downtown to evening walks along the waterfront, this home offers an opportunity to truly live the Fernandina Beach lifestyle--all just minutes from the beaches of Amelia Island. Owner financing available with a 2-3 year balloon. Ask listing agent for additional terms and details.
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate if in AE/VE
- Confirm roof age and get 4-point inspection; 19 years old may trigger insurer concerns
- Review plumbing materials and condition; 2007 build should be clear of polybutylene
- Check for wind-mitigation credits (roof bracing, opening protection, continuous load path)
- Verify no HOA or CDD fees; confirm no future assessments on historic district lot
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 $591,200 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 IRON VALLEY REAL ESTATE NORTH FLORIDA. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 8:00 PM.
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