14 N 4th St, Fernandina Beach, FL 32034

LIVE, WORK, PLAY! Gorgeous, pristine home in the heart of Historic Downtown Fernandina Beach just a half block from Centre Street. Enjoy the ultimate downtown lifestyle in this upscale two-story residence with rare two-car garage, elevator, and income-producing shop below. Built in 1947 & expanded in 2009 by John Cotner, this unique property blends historic charm with modern luxury. The open-concept floor plan features a spacious kitchen, dining, & living area that flows to the covered balcony with summer kitchen—perfect for entertaining or relaxing above the vibrant downtown scene. Quality craftsmanship is evident throughout with hickory hardwood floors, 8-foot solid wood doors, cherry cabinetry, smooth ceilings, quartzite countertops, brick accents reclaimed from the historic Amelia Tavern building, recessed lighting on dimmers, and a chef’s kitchen featuring a gas cooktop with hood, double ovens, and an extra-deep 34-cubic-foot refrigerator. Additional upgrades include a Rinnai tankless water heater, Ultra-Aire dehumidification system, heated and cooled storage room, and metal roof. The spacious primary suite offers a luxurious bath, two closets, and a convenient laundry room. Large guest bedrooms & beautifully appointed bathrooms provide comfort for family and visitors. A separate front entrance serves the 532-square-foot retail shop, while the private residential entrance is located on the side. The shop is leased through July 31, 2028, providing rental income to help offset ownership costs. Please do not disturb the tenant! Whether you’re looking for a full-time residence, lock-and-leave retreat, or a unique live-work opportunity, properties like this rarely become available in downtown Fernandina Beach!