$1,100,000
4800 AMELIA ISLAND Parkway B-103, Fernandina Beach, FL 32034
Amelia Surf & Racque
- Price
- $1,100,000
- Beds / Baths
- 2 / 2
- Living area
- 1,173 sqft
- Year built
- 1982
- Type
- Condo
- Lot
- 12.61 ac
- Garage
- 0
- HOA
- $1,151/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 7
$938/sqft asking, vs a $405/sqft median across 269 closed sales in 32034 over the last 12 months — 132% above the area's closed prices. Condition and lot vary; that's what a showing is for.
RARE OCEANFRONT INCOME OPPORTUNITY. GROUND-FLOOR OCEANFRONT residence with DIRECT WALK-OUT ACCESS TO THE POOL, BEACH WALKWAY AND OCEAN beyond. This beautifully renovated 2BR/2BA condo delivers the combination buyers want most: a PRIME OCEANFRONT LOCATION, effortless personal enjoyment and a STRONG, PROVEN INCOME HISTORY. Offered FULLY FURNISHED and TURNKEY, the interiors were thoughtfully renovated and professionally curated with a soft coastal palette, crisp lines and refined finishes. From the living area and primary suite, enjoy views of the pool, palms and ocean with the beach just steps from your door. Equally compelling as an investment, this is ONE OF THE FEW UNITS CURRENTLY OFFERED ON THE MARKET WITH THIS LEVEL OF ESTABLISHED RENTAL PERFORMANCE, supported by a 5-STAR VRBO/AIRBNB HISTORY generating approximately $100,000 ANNUALLY. Rental income covers the property's operating expenses and projected mortgage expense, all while allowing the owner to enjoy the property personally and participate in the unit's long-term historical appreciation, estimated at an average of 4.2% annually. Located in gated Amelia Surf & Racquet Club near the Ritz-Carlton, golf, bike paths and historic downtown Fernandina Beach.
What to check on this one
- Obtain full condo declaration, bylaws, and most recent financial statements.
- Request condo milestone inspection report (44-year-old building requires 30-year structural review).
- Verify VRBO/Airbnb rental history documentation and confirm HOA short-term rental permission.
- Confirm exact flood zone and obtain elevation certificate for oceanfront property.
- Review HOA reserve funding, special assessments, and any pending capital improvements.
- Verify roof age, coating/replacement records, and current insurer approval.
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 $880,000 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 CENTURY 21 MILLER ELITE LLC. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 8:23 PM.
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