Nestled in the heart of historic Fernandina Beach, 415 S. 4th Street is a charming downtown cottage offering privacy, character, and an unbeatable location just blocks from Centre Street. Enjoy easy access to local boutiques, art galleries, waterfront dining, live music, the marina, and Amelia Island’s beautiful beaches — all while tucked away in your own private oasis.
Surrounded by mature tropical landscaping, this 3-bedroom, 2-bath home features a warm and inviting layout with a spacious Florida room that provides additional year-round living space filled with natural light. The home offers vinyl plank flooring, stainless steel appliances, granite countertops, and a large walk-in tiled shower.
Outside, the welcoming front porch and privacy-fenced backyard create a peaceful setting to relax and enjoy the coastal lifestyle Fernandina Beach is known for. The property also offers a private driveway along with additional shell parking along the street. Whether you are looking for a full-time residence, weekend getaway, or investment opportunity, this property offers timeless charm in one of Amelia Island’s most desirable downtown locations — all with no HOA or CDD fees. (Interior photos coming soon!)
Pending
$615,000
415 S 4th St, Fernandina Beach, FL 32034
3beds
1,389sqft
Single Family Residence
Built in 1977
5,000 Square Feet Lot
$572,300 Zestimate®
$443/sqft
$-- HOA
What's special
Granite countertopsAdditional year-round living spaceWarm and inviting layoutWelcoming front porchSpacious florida roomVinyl plank flooringNatural light
- 57 days |
- 206 |
- 3 |
Zillow last checked:
Listing updated:
Listed by:
Grace Royal 904-583-9252,
CABANA LANE, INC.
Source: AINCAR,MLS#: 116046
Originating MLS: Amelia Island-Nassau County Assoc of Realtors Inc
Originating MLS: Amelia Island-Nassau County Assoc of Realtors IncFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Description: Flooring: Plank,Vinyl
- Level: Main
Bedroom
- Description: Flooring: Plank,Vinyl
- Level: Main
Bedroom
- Description: Flooring: Tile
- Level: Main
Bonus room
- Description: Flooring: Tile
- Level: Main
Kitchen
- Description: Flooring: Plank,Vinyl
- Level: Main
Living room
- Description: Flooring: Plank,Vinyl
- Level: Upper
Heating
- Central, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Dryer, Dishwasher, Refrigerator, Stove, Washer
Features
- Ceiling Fan(s), Fireplace, Cable TV
- Windows: Vinyl
- Has fireplace: Yes
Interior area
- Total structure area: 1,389
- Total interior livable area: 1,389 sqft
Property
Parking
- Parking features: Driveway, On Street
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch
- Exterior features: Fence
- Pool features: None
Lot
- Size: 5,000 Square Feet
- Dimensions: 100 x 50
Details
- Parcel number: 000031180002790230
- Zoning: R-2
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: One Story
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Roof: Shingle
Condition
- Resale
- Year built: 1977
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available
Community & HOA
HOA
- Has HOA: No
Location
- Region: Fernandina Beach
Financial & listing details
- Price per square foot: $443/sqft
- Tax assessed value: $421,262
- Annual tax amount: $5,579
- Date on market: 5/11/2026
- Cumulative days on market: 61 days
- Listing terms: Conventional
- Road surface type: Paved
Estimated market value
$572,300
$544,000 - $601,000
$2,936/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/13/2026 | Pending sale | $615,000$443/sqft |
Source:  AINCAR #116046 Report a problem | ||
| 5/11/2026 | Listed for sale | $615,000+61.8%$443/sqft |
Source: AINCAR #116046 Report a problem | ||
| 10/4/2021 | Sold | $380,000-5%$274/sqft |
Source:  realMLS #1129443 Report a problem | ||
| 9/13/2021 | Pending sale | $400,000$288/sqft |
Source: AINCAR #96515 Report a problem | ||
| 9/11/2021 | Listed for sale | $400,000$288/sqft |
Source: AINCAR #96515 Report a problem | ||
| 9/7/2021 | Pending sale | $400,000$288/sqft |
Source: AINCAR #96515 Report a problem | ||
| 9/3/2021 | Listed for sale | $400,000$288/sqft |
Source: AINCAR #96515 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,579 +0.8% | $346,100 +3% |
| 2023 | $5,536 +6.2% | $336,019 +3% |
| 2022 | $5,215 +628.1% | $326,232 +305.6% |
| 2021 | $716 +0.7% | $80,440 +1.4% |
| 2020 | $711 +0.1% | $79,329 +2.3% |
| 2019 | $711 | $77,545 +1.9% |
| 2018 | $711 +4.8% | $76,099 +2.1% |
| 2017 | $678 +2.7% | $74,534 +2.1% |
| 2016 | $660 -0.3% | $73,001 +0.7% |
| 2015 | $662 -1.6% | $72,494 +0.8% |
| 2014 | $674 | $71,919 +1.5% |
| 2013 | -- | $70,856 +1.7% |
| 2012 | -- | $69,672 +3% |
| 2011 | -- | $67,643 +1.5% |
| 2010 | -- | $66,643 +2.7% |
| 2009 | -- | $64,891 +0.1% |
| 2008 | -- | $64,826 +3% |
| 2007 | -- | $62,938 +2.5% |
| 2006 | -- | $61,403 +3% |
| 2005 | -- | $59,615 +3% |
| 2004 | -- | $57,879 +1.9% |
| 2003 | -- | $56,800 +2.4% |
| 2002 | -- | $55,469 +1.6% |
| 2001 | -- | $54,595 +3% |
| 2000 | -- | $53,005 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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.
Climate risks
Neighborhood: 32034
Nearby schools
GreatSchools rating
- NASouthside Elementary SchoolGrades: PK-2Distance: 0.7 mi
- 6/10Fernandina Beach High SchoolGrades: PK,3,8-12Distance: 1 mi
- 10/10Fernandina Beach Middle SchoolGrades: 6-8Distance: 1.1 mi
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.
- Florida
- Nassau County
- Fernandina Beach
- 32034
- 415 S 4th St
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