3523 S Fletcher Avenue, Fernandina Beach, FL 32034
Single Family Residence in Amelia Island, Fernandina Beach · No CDD
Amelia Island · Fernandina Beach, FL 32034 · Nassau
Listing data updated September 20, 2026 · refreshed twice daily
5Bedrooms
5Bathrooms
5,673Sq Ft
1998Year Built
$599Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$599 here vs $607 median sold (12 mo)
Buyer leverage
Strong buyer advantage
116 days on market
10.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$13k–$27k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 7 of 7
Price vs recent sales
Asking $3.40M tops 7 of the last 7 closed sales; also one of the largest homes here at 5,673 sq ft
As of September 20, 2026, 3523 S FLETCHER Avenue in Amelia Island, Fernandina Beach is listed at $3,400,000 (5,673 sq ft, about $599 per sq ft). That is 112% above Amelia Island's median closed sale of $1,600,000 over the last 12 months (9 recorded sales). It has been 116 days on market, longer than the community's typical 40 days to contract. Listing facts: built in 1998, a private pool, no HOA. 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 1998 · 28 yrs
5,673 sq ft of living area
3-car garage
116 days on market
HOA ~$50/mo (estimate; confirm)
School district: Golf 99 holes islandwide County Nassau County Florida Schools Nassau County SchoolsCommunity built 1941–2025Marché Côtier · 1 min driveHola Cuban Cafe · 1 min driveCentral Park · 2 min drive
Momentum Research · Amelia Island
Pricing & the Amelia Island market
How this home is priced against recent nearby sales, and where Amelia Island has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Amelia Island
Each dot is a closed sale since 2001 (206 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $599/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 66 (hot).
Property timeline
This home’s history
1998BuiltPer public record
Jul 2, 2026First trackedObserved at $3,400,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$22,277/mo
Principal & interest $18,005/mo81%
Taxes $2,663/mo12%
Insurance $1,559/mo7%
HOA $50/mo0%
$22,277/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current Nassau County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $20,050/yr ($1,671/mo)
+$24,425 more each year
(+122%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$1,052,858
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.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
50/100
Strongest on: Flood safety (95), Insurance cost (67)
0 limited50100 exceptional
50/100 is below average 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 area53
This home $599/sq ft vs the community 12-month median $607/sq ft.
Affordability0
List price $3,400,000 vs the community median $1,600,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~17 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1998 build. Obtain a property-specific quote.
Market liquidity39
Community median 40 days on market, ~10.3 months of supply (12-month record).
Renovation upside52
From a 1998 build and $599/sq ft vs the community median $607/sq ft. Not a condition assessment.
Pricing power58
Recent sales closed at about 96.4% of original asking (~3.6% below). More room below asking generally favors buyers.
Market timing34
Momentum Market Heat is 66/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 10.3 months of supply in the surrounding market and 116 days on market for this home, against a 40-day area median.Days on market:this home 116Area median: 40 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 September 20, 2026.
🟡 Asking $599 per square foot, about in line with the community’s $607 median. Amelia Island’s 12-month median sold price per square foot is $607. Median sold price per square foot is up 78.8% year over year. Confidence: Medium · 9 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 Island sales closed near 96.4% 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 September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 6 active listings in Amelia Island, no CDD assessment.
Updated September 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
What if an exceptional Amelia Island home gave you the freedom to host beautifully, retreat privately, and wake to ocean-view sunrises? Beautifully set within mature coastal landscaping, this elevated luxury residence offers nearly 5,700 sq ft of flexible living space with coastal sunrise views, elevator access to the primary living areas, and a private pool setting designed for relaxed island living. The floor plan supports the way discerning buyers actually live, with separate spaces for guests, extended family, work, entertaining, and quiet retreat.
Two full kitchens, multiple living areas, generous accommodations, dual laundry spaces, and an oversized climate-controlled garage add function without sacrificing comfort. Above it all, the ocean view lounge offers a memorable place to gather or unwind. A refined Amelia Island residence for buyers seeking privacy, scale, and a more versatile way to experience coastal luxury.
All 57 photos
Description provided by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS and reproduced from the MLS; not independently verified.
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$3,400,000
Bed / bath5 / 5
Living area5,673 sq ft
Year built1998
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2147131
Listing status116 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
Windstorm exposureModerate
CountyNassau
Area listings6 active · 1 under contract
Estimated first-year tax~$31,960/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$599
Estimated monthly payment$22,277
Insurance (illustrative)$13k–$27k/yr
Comparable-sales median$1,600,000
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
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$3,029,382the mess$3,857,640
Actual list price: $3,400,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1998 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 116 days on market vs. a 40-day community median
6 active listings competing, 1 under contract
≈10.3 months of supply
7 closed here in the last 12 months
For reference, this home is listed at $3,400,000 ($599/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 5,673 sq ft × $534–$680/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 20, 2026.
Keep looking
Similar homes for sale near Amelia Island
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.
Listed for $3,400,000Momentum Realty · on market 116 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$31,960/yr
A rough first-year estimate only, applying a typical Nassau rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$13k–$27k/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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~17 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · MLS # 2147131
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Market data · public records
Recent sales activity in Amelia Island
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Amelia Island neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$1,600,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$607
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Amelia Island
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Retail Dining
The Little Gym franchise scheduled to open July 18 at 96032 Victoria's Place
A Little Gym franchise is scheduled to open July 18 at 96032 Victoria's Place in Fernandina Beach. The location offers movement and gymnastics classes for ages 4 months through 12 years and is owned and operated by Karen and Josh Womack. It is a franchise of the national children's movement and development program.
Why it matters: Service and recreation tenants taking commercial space may reflect steady leasing activity around Fernandina Beach, though one franchise opening is a thin indicator on its own.
Fernandina Beach Publix reopens after year long renovation
The Publix supermarket in Fernandina Beach reopened following roughly a year of renovations. The island had operated with reduced grocery options during the closure, which overlapped with a separate Winn Dixie closure dating to 2025.
Why it matters: Restored grocery service on the island could improve everyday retail convenience for nearby homes after an extended gap.
Seaside Park overhaul near Sadler Road advancing toward fall construction
Fernandina Beach and Nassau County are advancing a roughly $3.9 million overhaul of Seaside Park in the Sadler Road beach access area, funded through a proposed mix of city and county tourist development dollars. The project is expected to move into procurement this summer with construction beginning in fall 2026, the first of seven locations in an island-wide beach parks plan.
Why it matters: Upgraded public beach amenities can enhance neighborhood appeal near the island's south end, though funding and timeline still depend on finalizing an interlocal agreement.
Amelia River Waterfront Park opens at Fernandina Harbor Marina
The City of Fernandina Beach held a grand opening for its new Amelia River Waterfront Park at the marina's south basin on April 11, 2026, after more than a year of construction. Features include a play structure funded by a T-Mobile hometown grant and a relocated anchor and shrimping industry monument. The park sits adjacent to downtown parking lots C and D.
Why it matters: A new public waterfront amenity adjacent to the historic downtown may strengthen the appeal of the marina district and could support nearby commercial activity.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Marché Côtier 1 min
Shopping
Amelia Village Shoppes 5 min
Parks
Central Park 2 min
Health
Baptist Nassau Emergency Room 6 min
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)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$15,583 – $22,667/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$7,127 – −$752At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 3523 S FLETCHER Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1998 (28 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 5,673 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 $31,960/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 20, 2026)
Community market stats
realMLS closed sales, as of September 20, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 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 3523 S FLETCHER Avenue and when was it built?
Per the listing record, 3523 S FLETCHER Avenue was built in 1998 and has 5,673 sq ft of living area, 5 bedrooms and 5.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3523 S FLETCHER Avenue in?
3523 S FLETCHER Avenue is in Amelia Island in Fernandina Beach, Nassau County. The community section on this page shows recent closed sales, days on market, and active inventory for Amelia Island from the same MLS data.
Does 3523 S FLETCHER Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 3523 S FLETCHER Avenue differ from the current owner's?
The estimate on this page (about $31,960 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3523 S FLETCHER Avenue 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.
Ready when you are
See 3523 S FLETCHER Avenue in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
