$1,670,000
SOLD MAY 15, 2025

1098 S Fletcher Ave Fernandina Beach, FL 32034

3 Beds
3.5 Baths
1,360 Sq Ft
5,227 Sq Ft Lot

Recently Sold

$1,228 Per Sq Ft

12% Below List Price

83 Days on Market

Highlights

  • Ocean Front
  • Deck
  • Furnished
  • Emma Love Hardee Elementary School Rated A-
  • Vaulted Ceiling
  • No HOA

About This Home

As of May 2025

BACK-UP OFFERS WELCOME. Behold your dream oceanfront retreat, offering breathtaking views of the beach, shoreline, and endless ocean! This charming 3-bedroom, 3.5-bath beach house is the perfect coastal getaway, with two of the bedrooms ensuite and featuring a heated/cooled 2-car garage, which adds 400 sq. ft. of potential living space. Imagine stepping outside to find the beach as your backyard—no lengthy boardwalks or hassles, just direct access to the sand. Constructed from durable cement block, this home is as strong as it is beautiful, filled with timeless beach house charm. FULLY FURNISHED, the vibrant decor and colorful artwork create a fun and relaxed beachy vibe. Inside, the great room is an ideal space for family gatherings, with its vaulted beamed ceiling and distressed exposed brick. Spectacular ocean views frame the room, making every moment special. The upper deck offers a serene setting to enjoy stunning sunrises and includes a covered section for shaded ocean gazing, perfect for sunny afternoons. The open floor plan flows seamlessly from the great room to a cozy galley kitchen, outfitted with newer appliances and butcher block countertops. Upstairs, the primary bedroom boasts a king-sized bed, ensuite bath, and tranquil ocean views. On the lower level, you’ll find two additional bedrooms and two full baths. Luxury vinyl plank and tile flooring are throughout—NO CARPETING. Outside, the fenced, irrigated yard offers a lush grassy area, ideal for pets or lawn games, like corn hole or horseshoes. Tucked away from busy beach access points, this home feels like a private paradise, yet is just minutes from the dining, shops, and entertainment of historic Fernandina. Your peaceful, beachside haven awaits!

Last Agent to Sell the Property

Adele Suddes

CENTURY 21 MILLER ELITE License #3436872 Listed on: 01/10/2025

CENTURY 21 MILLER ELITE

Last Buyer's Agent

Shannon Moore

BERKSHIRE HATHAWAY HomeServices HWREI License #3327837

BERKSHIRE HATHAWAY HomeServices HWREI

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $18,169

Year Built

  • Built in 1962

Lot Details

  • 5,227 Sq Ft Lot
  • Lot Dimensions are 50x108
  • Ocean Front
  • Sprinkler System

Parking

  • 2 Car Garage

Home Design

  • Shingle Roof

Interior Spaces

  • 1,360 Sq Ft Home
  • 2-Story Property
  • Furnished
  • Vaulted Ceiling
  • Ceiling Fan
  • Insulated Windows
  • Blinds

Kitchen

  • Stove
  • Microwave
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Deck
  • Covered Patio or Porch

Utilities

  • Cooling Available
  • Central Heating
  • Cable TV Available

Community Details

  • No Home Owners Association
  • Ocean City Subdivision

Listing and Financial Details

  • Assessor Parcel Number 00-00-31-1040-0025-0040

Home Details

Home Type

Single Family

Est. Annual Taxes

$18,169

Year Built

Built in 1962

Lot Details

0

Parking

2

Listing Details

  • Property Sub Type: Residential
  • Prop. Type: Residential
  • Road Frontage Type: Oceanfront
  • Lot Size Acres: 0.12
  • Lot Size: 50x108
  • Road Surface Type: Paved
  • Subdivision Name: Ocean City
  • Directions: 200 East, right on Sadler, left onto S Fletcher, one mile down on the right
  • Architectural Style: Two Story
  • Garage Yn: Yes
  • Unit Levels: Two
  • Building Stories: 2
  • Year Built: 1962
  • Property Sub Type Additional: Residential
  • Special Features: VirtualTour
  • Stories: 2

Interior Features

  • Furnished: Furnished
  • Appliances: Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Stove, Washer
  • Full Bathrooms: 3
  • Total Bedrooms: 3
  • Interior Amenities: Ceiling Fan(s), Furnished, Split Bedrooms, Cable TV, Vaulted Ceiling(s), Window Treatments
  • Living Area: 1360.0
  • Window Features: Insulated Windows, Blinds

Exterior Features

  • Pool Features: None
  • Construction Type: Block, Concrete
  • Exterior Features: Sprinkler/Irrigation
  • Patio And Porch Features: Rear Porch, Brick, Covered, Deck, Patio
  • Property Condition: Resale
  • Roof: Shingle

Garage/Parking

  • Garage Spaces: 2.0
  • Parking Features: Two Car Garage

Utilities

  • Cooling: Central Air, Electric
  • Cooling Y N: Yes
  • Heating: Central, Electric
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Cable Available
  • Water Source: Public

Condo/Co-op/Association

  • Association: No

Lot Info

  • Parcel #: 00-00-31-1040-0025-0040
  • Zoning: R-1
  • ResoLotSizeUnits: Acres

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jan 10, 2025
Closed on
May 15, 2025
Sold by
Thompson Henry A and Thompson Adria Aldred
Bought by
Allen Robert James and Allen Claire Emily
Seller's Agent
Adele Suddes
CENTURY 21 MILLER ELITE
Buyer's Agent
Shannon Moore
BERKSHIRE HATHAWAY HomeServices HWREI
List Price
$1,890,000
Sold Price
$1,670,000
Premium/Discount to List
-$220,000
-11.64%
Views
40
Current Estimated Value
$1,615,340

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$54,660
Avg. Annual Appreciation
-0.94%
Original Mortgage
$1,670,000
Outstanding Balance
$1,667,054
Interest Rate
6.64%
Mortgage Type
VA
Estimated Equity
-$2,246

Purchase Details

Listed on
May 12, 2021
Closed on
Jun 28, 2021
Sold by
Minson Eddie M and Minson Stacy C
Bought by
Thompson Henry A and Thompson Adria Aldred
Seller's Agent
Ann Simpson
BERKSHIRE HATHAWAY HomeServices HWREI
Buyer's Agent
Adele Suddes
CENTURY 21 MILLER ELITE
List Price
$1,125,000
Sold Price
$950,000
Premium/Discount to List
-$175,000
-15.56%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
15.65%

Purchase Details

Closed on
Apr 12, 2021
Sold by
Minson Eddie M and Estate Of Stella Minson
Bought by
Minson Eddie M
Source: Public Records

Range of Values:

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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,670,000 None Listed On Document
Warranty Deed $1,670,000 None Listed On Document
Warranty Deed $950,000 Americas Title Corp
Interfamily Deed Transfer -- None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $1,670,000 VA
Closed $1,670,000 VA
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/15/2025 05/15/25 Sold $1,670,000 -6.7% $1,228 / Sq Ft
04/03/2025 04/03/25 Pending -- -- --
01/27/2025 01/27/25 Price Changed $1,790,000 -5.3% $1,316 / Sq Ft
01/10/2025 01/10/25 For Sale $1,890,000 +98.9% $1,390 / Sq Ft
06/28/2021 06/28/21 Sold $950,000 -15.6% $798 / Sq Ft
05/29/2021 05/29/21 Pending -- -- --
05/12/2021 05/12/21 For Sale $1,125,000 -- $945 / Sq Ft
Source: Amelia Island - Nassau County Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $18,169 $1,051,640 $825,000 $226,640
2023 $18,169 $966,824 $750,000 $216,824
2022 $17,930 $975,490 $750,000 $225,490
2021 $14,386 $795,368 $600,000 $195,368
2020 $13,284 $701,179 $550,000 $151,179
2019 $13,150 $702,232 $550,000 $152,232
2018 $11,907 $653,118 $0 $0
2017 $10,298 $540,292 $0 $0
2016 $9,514 $459,119 $0 $0
2015 $8,559 $417,381 $0 $0
2014 $8,378 $405,668 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Adele Suddes

    Seller's Agent in 2025

    Adele Suddes

    CENTURY 21 MILLER ELITE

    (904) 253-9760

    105 in this area

    127 Total Sales

    Adele Suddes
    Section Image

  • S

    Buyer's Agent in 2025

    Shannon Moore

    BERKSHIRE HATHAWAY HomeServices HWREI

    (904) 556-2458

    25 in this area

    34 Total Sales

    Shannon Moore
    Section Image

  • A

    Seller's Agent in 2021

    Ann Simpson

    BERKSHIRE HATHAWAY HomeServices HWREI

    (229) 569-5046

    5 in this area

    5 Total Sales

    Ann Simpson
    Section Image
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Map

Source: Amelia Island - Nassau County Association of REALTORS®

MLS Number: 110746

APN: 00-00-31-1040-0025-0040

Florida Nassau County Fernandina Beach 32034

1098 S Fletcher Ave, Fernandina Beach, FL

This home is located at 1098 S Fletcher Ave, Fernandina Beach, FL 32034 and is currently priced at $1,670,000, approximately $1,227 per square foot. This property was built in 1962. 1098 S Fletcher Ave is a home located in Nassau County with nearby schools including Southside Elementary School, Emma Love Hardee Elementary School, and Fernandina Beach Middle School.

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