$1,070,000
SOLD JUL 7, 2025

3420 S Fletcher Ave Unit 401 Fernandina Beach, FL 32034

3 Beds
2 Baths
1,448 Sq Ft
$911/mo HOA Fee

Recently Sold

$739 Per Sq Ft

24% Below List Price

112 Days on Market

Highlights

  • Ocean Front
  • Fitness Center
  • Community Pool
  • Emma Love Hardee Elementary School Rated A-
  • Furnished
  • Tennis Courts

About This Home

As of July 2025

Experience luxurious oceanfront living in this top-floor, corner-unit condo with 3 beds, 2 baths, and a spacious balcony for sunrise views. Renovated in 2021 with updated ductwork, plumbing, and electric, it features LVP flooring, quartz countertops, and custom closets. Enjoy motorized shutter, hurricane-rated windows, and premium furnishings. Includes a detached garage with ample storage. Community amenities include beach access, pool, tennis, and a beach walkover. Sold fully furnished with excellent rental potential.

Last Agent to Sell the Property

Joshua Sagman

Business Exit Advisors Commercial Real Estate LLC License #3625697 Listed on: 03/17/2025

Last Buyer's Agent

Brenda Horst

RE/MAX Unlimited License #631849

RE/MAX Unlimited

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $15,871

Year Built

  • Built in 1980

Lot Details

  • Ocean Front

HOA Fees

  • $911 Monthly HOA Fees

Parking

  • Over 1 Space Per Unit
  • Assigned Parking

Home Design

  • Concrete Roof

Interior Spaces

  • 1,448 Sq Ft Home
  • 4-Story Property
  • Furnished
  • Fireplace
  • Tinted Windows
  • Sliding Windows
  • Vinyl Flooring
  • Ocean Views

Kitchen

  • Electric Range
  • Microwave
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Closet Cabinetry
  • Walk-In Closet
  • 2 Full Bathrooms
  • Separate Shower in Primary Bathroom

Laundry

  • Laundry Room
  • Washer and Dryer

Home Security

Utilities

  • Central Heating and Cooling System
  • Water Softener is Owned
  • TV Antenna

Listing and Financial Details

  • Assessor Parcel Number 000031107004010000

Community Details

Overview

  • Association fees include parking, trash
  • 24 Units
  • High-Rise Condominium
  • Atlantis Subdivision

Recreation

  • Tennis Courts
  • Fitness Center
  • Community Pool

Pet Policy

  • Pets Allowed

Additional Features

  • Elevator
  • Impact Glass

Property Details

Home Type

Condominium

Est. Annual Taxes

$15,871

Year Built

Built in 1980

Lot Details

0

HOA Fees

$911 per month

Parking

1

Listing Details

  • Prop. Type: Residential
  • Property Sub Type: Condominium
  • Property Sub Type Additional: Condominium
  • Year Built: 1980
  • Architectural Style: High Rise
  • Entry Level: 4
  • Unit Levels: Three Or More
  • Year Built Details: Resale
  • Special Features: VirtualTour

Interior Features

  • Interior Amenities: Closet Cabinetry, Fireplace, Separate Shower, Walk-In Closet(s)
  • Furnished: Furnished
  • Appliances: Dryer, Dishwasher, Electric Range, Disposal, Microwave, Water Softener Owned, Washer/Dryer, Washer
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplace: Yes
  • Flooring: Vinyl
  • Living Area: 1448.0
  • Dining Room Type: Laundry
  • Stories: 4
  • Window Features: Impact Glass, Sliding, Tinted Windows

Exterior Features

  • Exterior Features: TV Antenna
  • View: Ocean
  • Pool Features: None, Association, Community
  • View: Yes
  • Waterfront Features: Ocean Front
  • Waterfront: Yes
  • Disclosures: Pet on Property
  • Construction Type: Block
  • Property Condition: Resale
  • Roof: Concrete

Garage/Parking

  • Covered Parking Spaces: 1.0
  • Attached Garage: No
  • Garage Spaces: 1.0
  • Garage Yn: Yes
  • Parking Features: Assigned, Detached, Garage, Two or More Spaces

Utilities

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

Condo/Co-op/Association

  • Association Fee: 911.0
  • Community Features: Non-Gated, Pool, Sidewalks, Tennis Court(s)
  • Senior Community: No
  • Amenities: Fitness Center, Pool, Tennis Court(s), Elevator(s)
  • Association Fee Frequency: Monthly
  • Association: Yes
  • Pets Allowed: Yes

Fee Information

  • Association Fee Includes: Parking, Trash

Lot Info

  • Parcel #: 000031107004010000
  • Zoning Description: Resident

Tax Info

  • Tax Year: 2024
  • Tax Annual Amount: 15871.0

Multi Family

  • Number Of Units In Community: 24

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 17, 2025
Closed on
Jul 7, 2025
Sold by
Sagman Scott and Sagman Mary Elaine
Bought by
Schelhorn Stephen Michael
Seller's Agent
Joshua Sagman
Business Exit Advisors Commercial Real Estate LLC
Buyer's Agent
Brenda Horst
RE/MAX Unlimited
List Price
$1,400,000
Sold Price
$1,070,000
Premium/Discount to List
-$330,000
-23.57%
Views
94

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
140.06%
Original Mortgage
$460,000
Outstanding Balance
$460,000
Interest Rate
6.89%
Mortgage Type
New Conventional
Estimated Equity
$749,561

Purchase Details

Listed on
Mar 4, 2014
Closed on
Apr 28, 2014
Sold by
Myers William A and Myers Robin T
Bought by
Sagman Scott and Sagman Mary Elaine
Seller's Agent
JEFFREY CHEFAN
FIRST COAST SOTHEBYS INTERNATIONAL REALTY
Buyer's Agent
Jeffrey Chefan
ONE SOTHEBY'S INTERNATIONAL REALTY
List Price
$549,000
Sold Price
$540,000
Premium/Discount to List
-$9,000
-1.64%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.30%
Original Mortgage
$300,000
Interest Rate
4.43%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jan 16, 2004
Sold by
Wilk Mary F and Edward J Wilk Trust
Bought by
Myers William A and Myers Robin T

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$379,600
Interest Rate
5.25%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Similar Homes in Fernandina Beach, FL

  • 1815 Turtle Dunes Place, Fernandina Beach, FL 32034

    $939,000

    • 2 Beds
    • 2 Baths
    • 1,120 Sq Ft
    • 1815 Turtle Dunes Place
    • Fernandina Beach, FL

    OCEANFRONT INVESTMENT OPPORTUNITY! Wake up to mesmerizing sunrises and the sounds of the ATLANTIC OCEAN in this 2BR/2BA condo, positioned in the sought-after Turtle Dunes community within the Omni Amelia Island Resort.This TURN-KEY, FULLY FURNISHED beachside haven has bamboo wood floors, plantation shutters, and charming shiplap ceilings. The primary suite offers PANORAMIC OCEAN VISTAS and a

    Felicia Walker SUMMER HOUSE REALTY

    Section Image
  • 1815 Turtle Dunes Place, Fernandina Beach, FL 32034

    $939,000

    • 2 Beds
    • 2 Baths
    • 1,120 Sq Ft
    • 1815 Turtle Dunes Place
    • Fernandina Beach, FL

    OCEANFRONT INVESTMENT OPPORTUNITY! Wake up to mesmerizing sunrises and the sounds of the ATLANTIC OCEAN in this 2BR/2BA condo, positioned in the sought-after Turtle Dunes community within the Omni Amelia Island Resort.This TURN-KEY, FULLY FURNISHED beachside haven has bamboo wood floors, plantation shutters, and charming shiplap ceilings. The primary suite offers PANORAMIC OCEAN VISTAS and a

    Felicia Walker SUMMER HOUSE REALTY

    Section Image
  • 3420 S Fletcher Ave Unit 302, Fernandina Beach, FL 32034

    $825,000

    • 2 Beds
    • 2 Baths
    • 1,154 Sq Ft
    • 3420 S Fletcher Ave
    • Unit 302
    • Fernandina Beach, FL

    Welcome to your dream beachfront home at the prestigious Atlantis on Amelia Island! This 2-bedroom, 2-bath 3rd floor condo offers breathtaking views of the beach and ocean. Newly remodeled, it features updated kitchen with new countertops, new appliances, white cabinets. The open-concept living room, dining room, and kitchen provide uninterrupted ocean views, enhanced by wood beams throughout.

    Brooks Wade GULF REALTY 30A, LLC

    Section Image
  • 3240 S Fletcher Ave Unit 443, Fernandina Beach, FL 32034

    $894,000

    • 3 Beds
    • 2 Baths
    • 1,596 Sq Ft
    • 3240 S Fletcher Ave
    • Unit 443
    • Fernandina Beach, FL

    Oceanfront Paradise on Amelia Island!Enjoy breathtaking sunrises and sweeping Atlantic views from this beautifully maintained 3-bedroom, 2-bathroom condo located in one of the island's most sought-after communities. This spacious unit offers an open-concept layout with a light-filled living area, updated kitchen, and private balcony overlooking the ocean — perfect for morning coffee or

    SUSAN HUGHES FLORIDA HOMES REALTY & MORTGAGE

    Section Image
  • 3240 S Fletcher Ave Unit 665, Fernandina Beach, FL 32034

    $879,000

    • 3 Beds
    • 2 Baths
    • 1,596 Sq Ft
    • 3240 S Fletcher Ave
    • Unit 665
    • Fernandina Beach, FL

    Beautiful “Amelia By the Sea” Condo For Sale! Excellent Investment Opportunity and Strong Vacation Rental History. Turn Key, fully furnished, 6th floor 3/2 condo offers stunning ocean views. Live large in the expansive open floor plan. Tastefully decorated, this unit provides a full-size washer & dryer. Relax in the oversized master with ensuite bathroom and wake to a gorgeous sunrise. Two

    Cliff Glansen FLATFEE.COM

    Section Image
  • 1947 S Fletcher Ave, Fernandina Beach, FL 32034

    $919,000

    • 3 Beds
    • 3 Baths
    • 1,810 Sq Ft
    • 1947 S Fletcher Ave
    • Fernandina Beach, FL

    Don't miss this rare opportunity to own one of only seven exclusive townhomes perfectly positioned with breathtaking ocean views. These highly sought after properties seldom hit the market, making this a must see for both homeowners and investors alike. This beautifully maintained unit comes completely furnished and offers flexibility whether you choose to enjoy it as your private coastal retreat

    Marci Hamilton PINEYWOODS REALTY, LLC

    Section Image
  • 2156 White Sands Way, Fernandina Beach, FL 32034

    $750,000

    • 3 Beds
    • 3.5 Baths
    • 2,786 Sq Ft
    • 2156 White Sands Way
    • Fernandina Beach, FL

    WELCOME TO CAPE SOUND, a community centrally located on Amelia Island. Walking distance to shopping, dining, beautiful beaches of Amelia Island and a short drive to Historic Downtown. Enjoy the community pool, walking paths and have a chat with neighbors at the Gazebo overlooking the pond. The ground floor offers you Kitchen, Dining, Living and half bath. Enjoy outdoor dining on the patio or a

    Hazel Preuss IRON VALLEY REAL ESTATE NORTH FLORIDA

    Section Image
  • 2156 White Sands Way Unit 503, Fernandina Beach, FL 32034

    $750,000

    • 3 Beds
    • 3.5 Baths
    • 2,786 Sq Ft
    • 2156 White Sands Way
    • Unit 503
    • Fernandina Beach, FL

    WELCOME TO CAPE SOUND, a community centrally located on Amelia Island. Walking distance to shopping, dining, beautiful beaches of Amelia Island and a short drive to Historic Downtown. Enjoy the community pool, walking paths and have a chat with neighbors at the Gazebo overlooking the pond. The ground floor offers you Kitchen, Dining, Living and half bath. Enjoy outdoor dining on the patio or a

    Hazel Preuss IRON VALLEY REAL ESTATE NORTH FLORIDA

    Section Image
  • 1651 Sea Dunes Place Unit 1637, Fernandina Beach, FL 32034

    $1,175,000

    • 2 Beds
    • 2 Baths
    • 1,300 Sq Ft
    • 1651 Sea Dunes Place
    • Unit 1637
    • Fernandina Beach, FL

    Enjoy unobstructed ocean views from every room in this beautifully renovated 4th-floor villa in the oceanfront Sea Dunes community within the gated Amelia Island Plantation! Offered fully furnished with elegant Tommy Bahama decor, this turnkey property is perfect as a vacation escape or income-producing rental. A unique lock-off design allows part of the villa to be rented separately as a private

    PATRICIA BURCH ENGEL & VOLKERS AMELIA ISLAND

    Section Image
See All Homes in Fernandina Beach

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

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 $1,070,000 Nassau Blue Ocean Title Llc
Warranty Deed $540,000 Attorney
Warranty Deed $474,500 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $460,000 New Conventional
Previous Owner $292,350 New Conventional
Previous Owner $300,500 New Conventional
Previous Owner $300,000 New Conventional
Previous Owner $379,600 Purchase Money Mortgage
Closed $71,175 No Value Available
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/07/2025 07/07/25 Sold $1,070,000 -14.4% $739 / Sq Ft
04/14/2025 04/14/25 Price Changed $1,250,000 -10.7% $863 / Sq Ft
03/17/2025 03/17/25 For Sale $1,400,000 +159.3% $967 / Sq Ft
12/17/2023 12/17/23 Off Market $540,000 -- --
04/28/2014 04/28/14 Sold $540,000 -1.6% $373 / Sq Ft
03/25/2014 03/25/14 Pending -- -- --
03/04/2014 03/04/14 For Sale $549,000 -- $379 / Sq Ft
Source: BeachesMLS

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 $15,300 $885,500 -- $885,500
2023 $15,300 $880,900 $0 $880,900
2022 $13,375 $772,800 $0 $772,800
2021 $12,243 $644,000 $0 $644,000
2020 $11,956 $612,950 $0 $612,950
2019 $11,833 $592,250 $0 $592,250
2018 $10,471 $515,200 $0 $0
2017 $9,351 $469,200 $0 $0
2016 $9,407 $464,600 $0 $0
2015 $9,433 $460,000 $0 $0
2014 $8,631 $395,313 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • J

    Seller's Agent in 2025

    Joshua Sagman

    Business Exit Advisors Commercial Real Estate LLC

    (954) 579-9438

    1 in this area

    1 Total Sale

    Joshua Sagman
    Section Image
  • Brenda Horst

    Buyer's Agent in 2025

    Brenda Horst

    RE/MAX Unlimited

    (904) 251-5797

    1 in this area

    35 Total Sales

    Brenda Horst
    Section Image

  • J

    Seller's Agent in 2014

    JEFFREY CHEFAN

    FIRST COAST SOTHEBYS INTERNATIONAL REALTY

See All Agents

Map

Source: BeachesMLS

MLS Number: R11072177

BeachesMLS

APN: 00-00-31-1070-0401-0000

Florida Nassau County Fernandina Beach 32034

3420 S Fletcher Ave Unit 401, Fernandina Beach, FL

This home is located at 3420 S Fletcher Ave Unit 401, Fernandina Beach, FL 32034 and is currently priced at $1,070,000, approximately $738 per square foot. This property was built in 1980. 3420 S Fletcher Ave Unit 401 is a home located in Nassau County with nearby schools including Southside Elementary School, Emma Love Hardee Elementary School, and Fernandina Beach Middle School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

BeachesMLS IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

Nearby Homes