listed May 29, 2026 Townhouse ▼ Price cut: $14,900 (10/25)
$625,000
3-Bedroom Townhome in Amelia Park

1524 Ruskin Lane, Fernandina Beach, FL 32034

Townhouse in Amelia Park, Fernandina Beach · No CDD on record
Amelia Park · Fernandina Beach, FL 32034 · Nassau County
Listing data checked against the MLS November 1, 2026 at 9:40 PM ET · rechecked hourly
3Bedrooms
2.5Bathrooms
1,998Sq Ft
2005Year Built
$313Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
26% below
$/sq ft vs community
$313 here vs $424 median sold (12 mo)
Buyer leverage
Balanced market
156 days on market
2.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~24 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 11
Price vs recent sales
Asking $625k tops 8 of the last 11 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

1524 RUSKIN Lane in Amelia Park, Fernandina Beach is listed at $625,000 (1,998 sq ft, about $313 per sq ft). That is 25% below Amelia Park's median closed sale of $830,000 over the last 12 months (3 recorded sales). Per square foot it is below the community's recent $424/sq ft by about 26%. It has been listed May 29, 2026, longer than the community's typical 9 days to contract. Listing facts: built in 2005, HOA dues of $65/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2005 · 21 yrs
  • 1,998 sq ft of living area
  • 2-car garage
  • Listed at $625,000 — recent neighborhood median sale price ~$830,000 (nearby sales; deemed reliable, not an appraisal)
  • listed May 29, 2026
  • HOA $65/mo (per listing)
School district: Schools Amelia Park is in the Nassau County SchoolCommunity built 2000–202114th Street Produce · 2 min driveAmelia Fresh Cafe · 3 min driveKids can be kids · 3 min drive
Listing description

About this home

Welcome to the highly desirable Garden District of Amelia Park, one of Amelia Island's most sought-after communities known for its charming streetscapes, walkability, and exceptional island lifestyle. This beautifully maintained 3-bedroom, 2.5-bath townhome offers an open-concept floor plan with soaring ceilings, fully tiled downstairs living areas, and a highly desirable first-floor owner's suite. The kitchen boasts granite countertops, a convenient bartop, abundant cabinet storage, and overlooks the spacious dining and family room combination, perfect for entertaining and everyday living.

Enjoy relaxing on the inviting front patio or private upper balcony overlooking the lush green space and mature Florida landscaping that make the Garden District so special. The rear enclosed patio features pavers and added privacy, creating the perfect outdoor retreat, while the two-car garage provides ample storage and convenience. Located just steps from boutique shopping, restaurants, parks, and community amenities, this home offers the perfect blend of comfort, convenience, and coastal living in the heart of Amelia Island.

Rare opportunities like this in the Garden District don't come along often.

All 42 photos

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Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS and reproduced from the MLS; not independently verified.

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERSProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™ · automated estimate

The Messtimate

Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.

$814,500the mess$1,221,700

Directional estimate — built from 3 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).

Track record: across 2,792 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-01.

Actual list price: $625,000 ($313/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 50% spread on the same house — here is what a model can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
  • Carrying costs & concessions — this home carries HOA dues of $65/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.

And what the live market is doing right now:

  • This home: listed May 29, 2026 on market vs. a 9-day community median
  • 1 active listing competing, 1 under contract
  • ≈2.0 months of supply
  • 6 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.

Selling your own home? Try the Messtimate on your address →

Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (3) + tax-roll just value × local sale-to-roll ratio (6 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 1, 2026.

How it stacks up

Comparable recent sales

3 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 3 sales: $830,000 ($424/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$625,000
Bed / bath3 / 2.5
Living area1,998 sq ft
Year built2005
Property typeTownhouse
Garage2-car
MLS #2147412
Listing statuslisted May 29, 2026

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~24 ft
CountyNassau
Area listings1 active · 1 under contract
Estimated first-year tax~$7,625/yr
CDD assessmentNone on record
HOA$65/mo

Calculated estimates

Price per sq ft$313
Estimated monthly payment$4,364
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$830,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$4,364/mo
  • Principal & interest $3,407/mo 78%
  • Taxes $635/mo 15%
  • Insurance $256/mo 6%
  • HOA $65/mo 1%

$4,364/mo at 20% down, 30-yr @ 7.24% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$7,625/yr
≈ $635/mo·effective rate ~1.22%
Estimate: asking price less the $50,000 homestead exemption × Nassau County rate (13.28 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $6,125/yr ($510/mo) — taxable value $461,263 × 13.28 mills
$1,500 more each year
(+24%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$171,508
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$632,771
Market value
$511,985
Assessed
$461,263
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

What it really costs to own 1524 Ruskin Lane

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property taxThe current owner's bill is about $6,125/yr (certified county roll, taxable value × millage). Buy at the asking price of $625,000 and the first-year bill resets to about $7,625/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.28 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues$65/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insuranceThe average Citizens Property Insurance premium in Nassau County is $1,159/yr (389 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 2005. An original roof would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.

Estimated carrying cost at the asking price, before the mortgage: about $797/month (tax $635, HOA $65, insurance $97). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$65/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~24 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk

Natural hazard risk

FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Internet & broadband — how to check availability for this address
Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Amelia Park

Pricing & the Amelia Park market

How this home is priced against recent nearby sales, and where Amelia Park has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales2036 NATURES Lane #B2036 NATURES Lane #B: $296/sq ft$296This homeThis home: $313/sq ft$3131419 COASTAL OAKS Drive1419 COASTAL OAKS Drive: $321/sq ft$3213024 S FLETCHER Avenue #A3024 S FLETCHER Avenue #A: $744/sq ft$744Community median $424
Property timeline

This home’s history

  • 2005BuiltPer public record
  • About May 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about May 29, 2026)
  • Jul 2, 2026First seen on movewithmomentum.comObserved at $639,900
  • Oct 25, 2026Price cut$625,000 (-$14,900, -2.3%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $625,000KELLER WILLIAMS REALTY ATLANTIC PARTNERS · listed May 29, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

82/100
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional

82/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area100
This home $313/sq ft vs the community 12-month median $424/sq ft.
Affordability91
List price $625,000 vs the community median $830,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2005 build. Obtain a property-specific quote.
Market liquidity84
Community median 9 days on market, ~2.0 months of supply (12-month record).
Pricing power48
Recent sales closed at about 98.5% of original asking (~1.5% below). More room below asking generally favors buyers.

Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 2.0 months of supply in the surrounding market and 156 days on market for this home, against a 9-day area median.Days on market:this home 156Area median:  9 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of November 1, 2026.

🟡 Asking $313 per square foot, about 26% below the community’s $424 median. Amelia Park’s 12-month median sold price per square foot is $424. Confidence: Low · 3 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

Recent Amelia Park sales closed near 98.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending November 1, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 1 active listings in Amelia Park, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Checked against the MLS November 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS · MLS # 2147412

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Keep looking

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Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

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Recently off market in Amelia Park

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Amelia Park news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Infrastructure

Port of Fernandina wins $11M federal grant for wharf and flood-control repairs

The U.S. Maritime Administration's Port Infrastructure Development Program awarded $11 million to the Ocean Highway and Port Authority. The money covers rebuilding the upper and lower wharf, crane rail repairs, an underground stormwater system, paving, railroad crossing repairs and shoreline reinforcement. The article ties it to two roughly $5.5 million needs presented by Relay Terminals in May.

Why it matters: Dock and drainage upgrades support continued port operations and the freight jobs tied to the Fernandina waterfront. The project is about 10 miles north of Amelia Park, elsewhere in Nassau County.

Fernandina Observer

Oct 2026 · Civic

Nassau committee proposes data center zoning district with no county incentives

A draft county report released Oct. 21 rejects both a ban and the status quo, proposing a new industrial park-data center zoning district, no county incentives or tax abatements, and disclosure of water and power needs. Siting would prioritize proximity to 500-kilovolt transmission lines, and developers would pay infrastructure costs. Workshops run Oct. 26 and Nov. 9, with a Planning and Zoning hearing Dec. 1 and commission hearings Dec. 14 and Jan. 25 under a June moratorium.

Why it matters: The rules will determine where large power-and-water-intensive industrial users can locate in western Nassau, shaping future land use and utility demand. The site is about 10 miles northwest of Amelia Park.

Fernandina Observer

Sep 2026 · Infrastructure

JEA advances about $690 million in infrastructure projects including Fulton Cut transmission line raise near JAXPORT

JEA is moving forward with three water reclamation projects (Blacks Ford in northwest St. Johns County, over $220 million; near Jacksonville International Airport, about $193 million; East Arlington, just under $165 million) and the $117 million Fulton Cut transmission line clearance over the St. Johns River near Blount Island. Fulton Cut, shared with JAXPORT and the city, is expected to finish in summer 2027 and all four projects by 2030.

Why it matters: Raised power lines support larger ship access to port terminals, and new reclamation capacity supports growth in surrounding areas. The site is about 10 miles southwest of Amelia Park.

News4JAX

Sep 2026 · Development

Nassau review committee considers up to 350 lots in Wildlight southern planning area

At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.

Why it matters: Added lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The project is about 12 miles northwest of Amelia Park, elsewhere in Nassau County.

Nassau NewsLine

Go deeper

More on Amelia Park

Go deeper on Amelia Park

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEA
Southside Elementary SchoolPK-2 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Emma Love Hardee Elementary School3-5 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina Beach Middle School6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina Beach High School9-12 · Nassau County School District · Grade A (Florida DOE 2025-26)
What's nearby

Drive times to everyday places

Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.

Groceries

  • 14th Street Produce 2 min

Dining

  • Amelia Fresh Cafe 3 min

Shopping

  • Island Walk Shopping Center 4 min

Parks

  • Kids can be kids 3 min
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 1524 RUSKIN Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $65/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,998 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $7,625/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,500 more per year than the current owner’s estimated bill (+24%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: November 1, 2026)
Comparable salesrealMLS closed sales within about 3 miles, last 18 months, as of November 1, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 1524 RUSKIN Lane and when was it built?

Per the listing record, 1524 RUSKIN Lane was built in 2005 and has 1,998 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 1524 RUSKIN Lane in?

1524 RUSKIN Lane is in Amelia Park in Fernandina Beach, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 1524 RUSKIN Lane have an HOA, and how much are the dues?

The listing reports HOA dues of $65 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 1524 RUSKIN Lane differ from the current owner's?

The estimate on this page (about $7,625 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,500 more per year than the current owner’s estimated bill (+24%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 1524 RUSKIN Lane in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.