Skip main navigation
For sale
    • $549,900

    523 S 13th Ter, Fernandina Beach, FL 32034

    3beds
    1,455sqft
    : 
    Loading
    Get pre-qualified
    Single Family Residence
    Built in 2023
    2,500 Square Feet Lot
    $533,800 Zestimate®
    $378/sqft
    $-- HOA

    What's special

    One-car garageGenerous islandSpacious bedroomsQuartz countertopsFenced backyardSoaring ceilingsChef-inspired kitchen
    Downtown Fernandina Beach is more than a destination—it's a lifestyle. At 523 S. 13th Terrace, you're just minutes from Centre Street's restaurants, boutiques, waterfront sunsets, and the everyday charm that makes Amelia Island so special. Built in 2023, this thoughtfully designed home offers the perfect blend of modern construction and coastal convenience. Soaring ceilings create an open, airy feel, while the chef-inspired kitchen features quartz countertops, stainless steel appliances, and a generous island that naturally becomes the gathering place for family and friends. Upstairs, spacious bedrooms provide comfort and privacy, including a serene primary suite designed for relaxation at the end of the day. With all major systems new in 2023, you'll enjoy the peace of mind and low-maintenance lifestyle today's buyers are seeking. Step outside to a raised patio and fenced backyard, creating the perfect space for morning coffee, weekend cookouts, or quiet evenings under the stars. A one-car garage and manageable lot size make everyday living simple and efficient. Perfectly positioned between downtown Fernandina Beach and Main Beach, this location makes it easy to embrace the Amelia Island lifestyle. Hop on your bike, take a golf cart ride to Centre Street for dinner, or spend the afternoon with your toes in the sand. Few locations offer this level of convenience to both the beach and downtown. Move-in ready and beautifully maintained, this home offers a rare opportunity to enjoy newer construction in one of Fernandina Beach's most desirable in-town locations. Love Where You Live.
    17 days
    |
    997
    |
    78
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Angie Heitzer 678-895-9586,

    SUMMER HOUSE REALTY

    Source: AINCAR,MLS#: 116435MLS LogoOriginating MLS: Amelia Island-Nassau County Assoc of Realtors Inc

    Loading...

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • Partial bathrooms: 1
      Primary bedroom
      • Description: Flooring: Plank,Vinyl
      • Level: Upper
      • Dimensions: 12x14
      Bedroom
      • Description: Flooring: Plank,Vinyl
      • Level: Upper
      • Dimensions: 10x10
      Bedroom
      • Description: Flooring: Plank,Vinyl
      • Level: Upper
      • Dimensions: 10x11
      Primary bathroom
      • Description: Flooring: Plank,Vinyl
      • Level: Upper
      • Dimensions: 5x9
      Bathroom
      • Description: Flooring: Plank,Vinyl
      • Level: Upper
      • Dimensions: 10x5
      Dining room
      • Description: Flooring: Plank,Vinyl
      • Level: Lower
      • Dimensions: 7.5x9.5
      Kitchen
      • Description: Flooring: Plank,Vinyl
      • Level: Lower
      • Dimensions: 9.5x9.5
      Living room
      • Description: Flooring: Plank,Vinyl
      • Level: Lower
      • Dimensions: 17.5x14
      Heating
      • Central, Electric
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Dishwasher, Microwave, Refrigerator, Stove
      Features
      • Ceiling Fan(s), French Door(s)/Atrium Door(s), Vaulted Ceiling(s)
      • Doors: French Doors
      • Windows: Vinyl
      Interior area
      • Total structure area: 1,455
      • Total interior livable area: 1,455 sqft

      Property

      Parking
      • Total spaces: 1
      • Parking features: Driveway, One Car Garage, Garage Door Opener
      • Garage spaces: 1
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Rear Porch, Other, See Remarks
      • Exterior features: Fence
      Lot
      • Size: 2,500 Square Feet
      • Dimensions: 100 x 25
      Details
      • Parcel number: 000031180002410380
      • Zoning: R-2

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Two Story
      • Property subtype: Single Family Residence
      Materials
      • Fiber Cement, Frame
      • Roof: Shingle
      Condition
      • Resale
      • Year built: 2023
      Details
      • Builder name: Coast Homes

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      Green energy
      • Energy efficient items: Insulation

      Community & HOA

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

      Financial & listing details

      • Price per square foot: $378/sqft
      • Tax assessed value: $17,500
      • Annual tax amount: $359
      • Date on market: 7/1/2026
      • Cumulative days on market: 18 days
      • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
      • Road surface type: Paved

        Estimated market value

        $533,800

        $507,000 - $560,000

        $2,850/mo

        Price history

        DateEventPrice
        7/1/2026Listed for sale$549,900+0.9%$378/sqft
        Source: AINCAR #116435 Report a problem
        2/12/2026Listing removed$544,900$375/sqft
        Source: realMLS #2106370 Report a problem
        1/2/2026Price change$544,900-0.9%$375/sqft
        Source: AINCAR #113369 Report a problem
        11/27/2025Price change$549,900-1.8%$378/sqft
        Source: AINCAR #113369 Report a problem
        11/10/2025Price change$559,900-0.9%$385/sqft
        Source: AINCAR #113369 Report a problem
        8/29/2025Listed for sale$564,900+6.6%$388/sqft
        Source: AINCAR #113369 Report a problem
        4/5/2024Sold$530,000-1.7%$364/sqft
        Source: AINCAR #106758 Report a problem
        3/17/2024Pending sale$539,000$370/sqft
        Source: AINCAR #106758 Report a problem
        3/6/2024Price change$539,000-1.3%$370/sqft
        Source: AINCAR #106758 Report a problem
        2/16/2024Price change$546,000-0.2%$375/sqft
        Source: AINCAR #106758 Report a problem
        2/10/2024Price change$546,900-0.2%$376/sqft
        Source: AINCAR #106758 Report a problem
        1/3/2024Listed for sale$548,000$377/sqft
        Source: AINCAR #106758 Report a problem
        1/1/2024Listing removed--
        Source: realMLS #1251815 Report a problem
        12/1/2023Price change$548,000-0.2%$377/sqft
        Source: AINCAR #105946 Report a problem
        11/15/2023Price change$549,000-2.4%$377/sqft
        Source: AINCAR #105946 Report a problem
        10/25/2023Price change$562,500-0.4%$387/sqft
        Source: AINCAR #105946 Report a problem
        10/4/2023Listed for sale$565,000-1.7%$388/sqft
        Source: AINCAR #105946 Report a problem
        10/3/2023Listing removed--
        Source: realMLS #1238177 Report a problem
        9/4/2023Price change$575,000-2.4%$395/sqft
        Source: AINCAR #102426 Report a problem
        8/1/2023Price change$589,000-1.7%$405/sqft
        Source: AINCAR #102426 Report a problem
        6/19/2023Price change$599,000-0.2%$412/sqft
        Source: AINCAR #102426 Report a problem
        6/17/2023Price change$599,900-2.5%$412/sqft
        Source: AINCAR #102426 Report a problem
        10/26/2022Listed for sale$615,000+23.2%$423/sqft
        Source: AINCAR #102426 Report a problem
        12/1/2021Listing removed--
        Source: AINCAR #95318 Report a problem
        9/23/2021Listed for sale$499,000$343/sqft
        Source: AINCAR #95318 Report a problem
        6/22/2021Listing removed--
        Source: AINCAR Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2015$359 -0.7%$17,500
        2014$361 +3.5%$17,500
        2013$349 -12.4%$17,500 -12.5%
        2012$398 -31.2%$20,000 -33.3%
        2011$579 +2.2%$30,000
        2010$567 $30,000
        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

        52 / 100
        Somewhat Walkable
        49 / 100
        Somewhat 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