Skip main navigation
Pending
    • $1,600,000

    14 N 4th St, Fernandina Beach, FL 32034

    3beds
    3,078sqft
    : 
    Loading
    Get pre-qualified
    Single Family Residence
    Built in 1947
    2,500 Square Feet Lot
    $1,542,000 Zestimate®
    $520/sqft
    $-- HOA

    What's special

    Rare two-car garageLarge guest bedroomsMetal roofQuartzite countertopsSmooth ceilingsLuxurious bathOpen-concept floor plan
    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!
    25 days
    |
    1,378
    |
    102
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Carey Dresser 904-415-6268,

    BERKSHIRE HATHAWAY HomeServices HWREI

    Source: AINCAR,MLS#: 116401MLS LogoOriginating MLS: Amelia Island-Nassau County Assoc of Realtors Inc

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 4
      • Full bathrooms: 3
      • Partial bathrooms: 1
      Heating
      • Heat Pump
      Cooling
      • Heat Pump
      Appliances
      • Included: Some Gas Appliances, Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Water Softener Owned, Stove, Washer
      Features
      • Ceiling Fan(s), Elevator, Handicap Access, Storage, Cable TV, Window Treatments
      • Windows: Insulated Windows, Blinds
      Interior area
      • Total structure area: 3,078
      • Total interior livable area: 3,078 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Two Car Garage, Other, On Street, See Remarks, Garage Door Opener
      • Garage spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Balcony
      • Exterior features: Handicap Accessible
      • Pool features: None
      Lot
      • Size: 2,500 Square Feet
      • Dimensions: 25 x 100 x 25 x 100
      Details
      • Parcel number: 000031180000230032
      • Zoning: C-3
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Other,Two Story,See Remarks
      • Property subtype: Single Family Residence
      Materials
      • Frame, Stucco
      • Roof: Metal
      Condition
      • Resale
      • Year built: 1947

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available
      Green energy
      • Energy efficient items: Insulation

      Community & HOA

      HOA
      • Has HOA: No
      Location
      • Region: Fernandina Beach

      Financial & listing details

      • Price per square foot: $520/sqft
      • Tax assessed value: $1,131,113
      • Annual tax amount: $17,063
      • Date on market: 6/16/2026
      • Cumulative days on market: 26 days
      • Listing terms: Cash,Conventional
      • Road surface type: Paved

        Estimated market value

        $1,542,000

        $1.46M - $1.62M

        $5,481/mo

        Price history

        DateEventPrice
        6/29/2026Pending sale$1,600,000$520/sqft
        Source: AINCAR #116401 Report a problem
        6/16/2026Listed for sale$1,600,000+45.5%$520/sqft
        Source: AINCAR #116401 Report a problem
        12/2/2019Sold$1,100,000-13.7%$357/sqft
        Source: AINCAR #86224 Report a problem
        8/15/2019Listed for sale$1,275,000+96.2%$414/sqft
        Source: BERKSHIRE HATHAWAY HomeServices CWREI #86224 Report a problem
        3/11/2016Sold$650,000-18.8%$211/sqft
        Source: AINCAR #66368 Report a problem
        8/5/2015Listing removed$800,000$260/sqft
        Source: KELLER WILLIAMS REALTY ATLANTIC PARTNERS #783428 Report a problem
        7/20/2015Listed for sale$800,000$260/sqft
        Source: KELLER WILLIAMS REALTY ATLANTIC PARTNERS #783428 Report a problem
        8/20/2014Listing removed$650
        Source: KELLER WILLIAMS REALTY #63587 Report a problem
        8/11/2014Listed for rent$650
        Source: KELLER WILLIAMS REALTY #63587 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$17,063 +0.3%$973,451 +2.8%
        2023$17,013 +6.6%$946,702 +3.9%
        2022$15,964 +1%$911,016 +4.2%
        2021$15,813 -5.9%$874,028 +1.4%
        2020$16,806 +117.5%$861,615 +106.4%
        2019$7,725 $417,489 +2.8%
        2018$7,725 +4.5%$405,993 +1.3%
        2017$7,393 +3.3%$400,904 -5.5%
        2016$7,159 -16.6%$424,051 -0.5%
        2015$8,586 -1.7%$426,069 +22.1%
        2014$8,737 $349,003 +3.1%
        2013-- $338,568 -5.7%
        2012-- $359,110 -8.8%
        2011-- $393,967 +0.7%
        2010-- $391,201
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.
        Get pre-qualified

        Climate risks

        Neighborhood: 32034

        Getting around

        72 / 100
        Very Walkable
        52 / 100
        Bikeable

        Nearby schools

        GreatSchools rating

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

        Browse local experts

        Similar homes

            Nearby cities

            Nearby zip codes

            Other Fernandina Beach Topics

              Search
              Updates
              Favorites
              Plan
              Inbox