$969,000
2923 S FLETCHER Avenue, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
South Beach
- Price
- $969,000
- Beds / Baths
- 3 / 2
- Living area
- 1,785 sqft
- Year built
- 1999
- Type
- Residential
- Lot
- 0.73 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 11
$543/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 114% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Have you ever wanted to live at the beach? This home is just steps from the shore on Amelia Island! S. Fletcher is the road that runs along the beach, and this beautiful residence sits one house back from the sand. You will love watching the ocean from your second-floor balcony. Make this your full-time home or use it as a rental as it carries the sought-after R-3 zoning! Once you step inside though, you may never want to leave. A stunning renovation has enhanced what was already a highly desirable property. You will LOVE cooking in this open-plan kitchen, set on the same level as the second-floor deck! A great flow from the living room, dining area & kitchen is perfect for entertaining as well as effortless coastal living. You'll find the primary bedroom on this level too. On the ground level, are two guest bedrooms and a jack'n'jill bath. An extra treat is that the home comes FULLY FURNISHED with the exception of a few personal items.Don't wait...the sea is calling. Hurry home.
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate for insurance/financing.
- Confirm roof age and condition; get 4-point inspection quote for lender requirement.
- Review R-3 zoning rental eligibility—verify short-term rental permit status and HOA/local restrictions.
- Inspect plumbing type (1999 build—check for polybutylene); request service history.
- Confirm all furnished items included in sale; document inventory with seller in writing.
- Verify property lies seaward of S. Fletcher; confirm setback/erosion easement compliance with county.
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 $775,200 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 23, 2026, 5:18 AM.
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.