$525,000
101 S 8TH Street, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
City Of Fernandina Beach
- Price
- $525,000
- Beds / Baths
- 2 / 2
- Living area
- 1,717 sqft
- Year built
- 1940
- Type
- Residential
- Lot
- 0.16 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 13
- Elementary
- Emma Love Hardee
- Middle
- Fernandina Beach
- High school
- Fernandina Beach
$306/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 21% above the area's closed prices. Condition and lot vary; that's what a showing is for.
At 101 South 8th Street, you will find a rare opportunity to own a versatile property in the heart of Historic Fernandina Beach. Situated on a 100x100 ft corner lot, this property offers frontage on both 8th Street and Ash Street. Upwards of 21,000 cars pass by on 8th Street and visibility of Kate's Tree for tourists and locals alike on Ash, the location offers exceptional flexibility within the C-3 zoning district. The C-3 District is intended for the development of land uses within the central business district as the City's center for residential, financial, commercial, governmental, professional, and cultural activities. Centre Street--home to shops, restaurants, weekend Farmers Markets, and seasonal events like Dickens on Centre, Sounds on Centre, fireworks, and parades--is just around the corner. The Atlantic Ocean and Amelia island's famed beaches are just a mile away. The current residence is ready for your vision and offers over 1700 sf with two bedrooms, and 1.5 baths on the main floor and a loft on the second floor. The kitchen is tucked away from the main living spaces and has a separate entry door. From the main entry door, the staircase leads to a light-filled loft space with many possibilities for use. The Ash Street entry provides an accessible ramp for entry to two separate rooms and is adjacent to off-street parking. Whether you're looking to develop, invest, or create a business opportunity, 101 S 8th Street offers an rare combination of location and flexibility in one of Florida's most notable coastal communities.
What to check on this one
- Verify actual flood zone designation and get elevation certificate if in AE/VE.
- Order 4-point inspection—1940 home requires close roof/plumbing/electrical/HVAC review.
- Confirm roof age; insurers typically deny coverage over 20 years in Florida.
- Check polybutylene or cast-iron plumbing—common failure points pre-1975.
- Verify C-3 zoning allows intended use; confirm commercial lease/renovation feasibility.
- Get septic/well service history if property relies on either system.
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 $420,000 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 19, 2026, 8:15 PM.
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