$1,299,999
4945 SPANISH OAKS Circle, Fernandina Beach, FL 32034
Ocean Walk
- Price
- $1,299,999
- Beds / Baths
- 4 / 2
- Living area
- 2,045 sqft
- Year built
- 1994
- Type
- Residential
- Lot
- 0.52 ac
- Garage
- 2
- HOA
- $46/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 0
$636/sqft asking, vs a $255/sqft median across 1,098 closed sales in 32034 over the last 12 months — 149% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Step inside this stunning, move-in ready home--completely renovated from top to bottom--sitting on a private, treed .52-acre lot in a quiet, established neighborhood. With 4 bedrooms, 2 baths and 2,045 sq ft of beautifully updated living space, this home blends modern finishes with relaxed, indoor-outdoor living. Every detail has been refreshed: all-new Simonton windows, fresh interior and exterior paint, new floors, doors, hardware, and contemporary lighting and fans throughout. The heart of the home is a brand-new kitchen with all-new appliances, and both bathrooms have been fully remodeled. Outside, enjoy an entertainer's dream with a fully rescreened lanai and a fabulous inground pool complete with a waterfall. Practical upgrades include new vin yl soffits, reconditioned garage doors with new remotes and Shark garage flooring, an upgraded R38 insulation topper, and a new hot water heater. Perfectly placed near the Ritz-Carlton and Scott Road beach access, this home offers a rare combination of modern luxury and an unbeatable location. Don't miss the full list of renovation items in the documents--schedule your tour today and see everything this gorgeous home has to offer! Realtor is related to seller.
What to check on this one
- Verify roof age and condition; get inspector report if original to 1994.
- Confirm flood zone designation with FEMA map and get elevation certificate if needed.
- Request itemized renovation list with dates, permits, and contractor warranties.
- Inspect pool equipment age, service records, and any remaining warranties.
- Review HOA docs: bylaws, financials, any pending assessments beyond $46/mo.
- Confirm all new systems (HVAC, water heater, windows) include transferable warranties.
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 $1,039,999 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 Sep 4, 2026, 2:42 PM.
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