424 Elm St Fernandina Beach, FL 32034
5
Beds
3.5
Baths
2,282
Sq Ft
4,792
Sq Ft Lot
Highlights
- No HOA
- Screened Porch
- Central Heating and Cooling System
- Fernandina Beach Middle School Rated A-
- Patio
- Energy-Efficient Windows
About This Home
As of July 2025LOCATED FIVE BLOCKS FROM HISTORIC DOWNTOWN, this home offers a rare blend of newer construction, upgraded finishes and spacious square footage, all positioned on a beautiful oak-canopied corner lot. Endless thoughtful features abound including luxury wood plank floors, tasteful cabinetry, granite counters, elegant lighting, generous storage, Pella windows, hardy board siding, covered porch, screened covered patio, paver courtyard, extended garage ... AND CARRIAGE HOUSE APARTMENT ($1400/month potential). PLUS, ENJOY A MASTER SUITE ON THE 1ST FLOOR. Three additional bedrooms on 2nd floor, each with a large walk-in closet, provide you ample space for family and office. Ideal for those seeking the island's casual downtown lifestyle in a newer, move-in ready home (furniture negotiable) where options for fun are countless. Restaurants, music and quaint shops: a relaxing 5-minute stroll. The beach: an easy 2-mile sashay. Or stay put and soak in the calming ambience of this graceful island home.
Last Agent to Sell the Property
CENTURY 21 MILLER ELITE LLC License #3436872 Listed on: 01/21/2023
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $10,631
Year Built
- Built in 2016
Parking
- 1 Car Garage
- Garage Door Opener
Home Design
- Shingle Roof
Interior Spaces
- 2,282 Sq Ft Home
- 2-Story Property
- Screened Porch
- Microwave
Flooring
- Carpet
- Vinyl
Bedrooms and Bathrooms
- 5 Bedrooms
- Split Bedroom Floorplan
Laundry
- Dryer
- Washer
Utilities
- Central Heating and Cooling System
- Heat Pump System
Additional Features
- Energy-Efficient Windows
- Patio
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 000031180002800140
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jan 25, 2025
Closed on
Jul 14, 2025
Sold by
Bennett Thomas Valene and Higdon Jackie
Bought by
Baccino Steven Michael and Schreier Maureen Elaine
Seller's Agent
John Hillman
CABANA LANE, INC.
Buyer's Agent
Jenny Schaffer
SUMMER HOUSE REALTY
List Price
$1,025,000
Sold Price
$885,000
Premium/Discount to List
-$140,000
-13.66%
Views
43
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
203.42%
Original Mortgage
$437,500
Outstanding Balance
$437,500
Interest Rate
6.85%
Mortgage Type
New Conventional
Estimated Equity
$487,677
Purchase Details
Listed on
Jan 21, 2023
Closed on
Mar 22, 2023
Sold by
Chris Starr Trust
Bought by
Bennett Thomas Valene
Seller's Agent
Adele Suddes
CENTURY 21 MILLER ELITE LLC
Buyer's Agent
TAMARA JONES
SUMMER HOUSE REALTY
List Price
$775,000
Sold Price
$765,000
Premium/Discount to List
-$10,000
-1.29%
Views
15
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.45%
Purchase Details
Closed on
Feb 19, 2016
Sold by
Sasser John E
Bought by
Starr Chris and Chris Starr Trust
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$232,500
Interest Rate
3.92%
Mortgage Type
New Conventional
Similar Homes in Fernandina Beach, FL
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
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $875,000 | None Listed On Document | |
| Warranty Deed | $762,142 | -- | |
| Warranty Deed | $387,500 | Trademark Title Services Inc |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $437,500 | New Conventional | |
| Previous Owner | $232,500 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/18/2025 07/18/25 | Sold | $885,000 | -4.3% | $392 / Sq Ft |
| 06/03/2025 06/03/25 | Pending | -- | -- | -- |
| 05/14/2025 05/14/25 | Price Changed | $925,000 | -1.5% | $409 / Sq Ft |
| 04/26/2025 04/26/25 | Price Changed | $939,000 | -1.2% | $415 / Sq Ft |
| 03/06/2025 03/06/25 | Price Changed | $950,000 | -2.6% | $420 / Sq Ft |
| 02/20/2025 02/20/25 | Price Changed | $975,000 | -4.9% | $431 / Sq Ft |
| 01/27/2025 01/27/25 | For Sale | $1,025,000 | +34.0% | $454 / Sq Ft |
| 12/17/2023 12/17/23 | Off Market | $765,000 | -- | -- |
| 03/22/2023 03/22/23 | Sold | $765,000 | -1.3% | $335 / Sq Ft |
| 01/24/2023 01/24/23 | Pending | -- | -- | -- |
| 01/21/2023 01/21/23 | For Sale | $775,000 | -- | $340 / Sq Ft |
Source: realMLS (Northeast Florida Multiple Listing Service)
Tax History Compared to Growth
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 | $10,631 | $668,017 | $200,000 | $468,017 |
| 2023 | $10,631 | $647,167 | $200,000 | $447,167 |
| 2022 | $8,107 | $514,586 | $150,000 | $364,586 |
| 2021 | $7,337 | $416,213 | $110,000 | $306,213 |
| 2020 | $6,603 | $338,536 | $82,500 | $256,036 |
| 2019 | $6,744 | $327,316 | $70,000 | $257,316 |
| 2018 | $6,374 | $313,623 | $0 | $0 |
| 2017 | $6,251 | $313,623 | $0 | $0 |
| 2016 | $625 | $27,500 | $0 | $0 |
| 2015 | $513 | $25,000 | $0 | $0 |
| 2014 | $516 | $25,000 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
J
Seller's Agent in 2025
John Hillman
CABANA LANE, INC.
(843) 475-6686
49 in this area
51 Total Sales
-
Buyer's Agent in 2025
Jenny Schaffer
SUMMER HOUSE REALTY
(904) 557-4739
338 in this area
372 Total Sales
-
Seller's Agent in 2023
Adele Suddes
CENTURY 21 MILLER ELITE LLC
(904) 253-9760
105 in this area
128 Total Sales
-
Buyer's Agent in 2023
TAMARA JONES
SUMMER HOUSE REALTY
(678) 427-1866
26 in this area
35 Total Sales
Map
Source: realMLS (Northeast Florida Multiple Listing Service)
MLS Number: 1209165
APN: 00-00-31-1800-0280-0140
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.
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. Data is deemed reliable but is not guaranteed accurate by NEFMLS.
Nearby Homes