520 Division StreetFernandina Beach, FL 32034Price: $415,000

  • Price: $415,000
  • Est. Mortgage of $/month
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$
%
$/month over payments
Federal 30-year interest rate: 6.5300000000000000000000000000000000000000% last updated on May 28, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $415,000List Price
  • 2Bedrooms
  • 2Full Bath
  • 1,045Square Feet
Welcome to this brand-new 2 bedroom, 2 bath island bungalow ideally located in the heart of Fernandina. Designed with style and efficiency in mind, this new construction single story home features 9' ceilings, wood style luxury vinyl plank flooring throughout, and a vaulted living area that creates a bright, open, and inviting living space. Coastal charm meets modern luxury with the stylish kitchen featuring shaker-style cabinetry, quartzite countertops, and Samsung appliances with a convenient under-counter microwave - perfect for both everyday living and entertaining. The home is further enhanced by 2-panel Craftsman-style interior doors and thoughtfully selected designer lighting and ceiling fans. The primary suite offers a spa-inspired zero-entry walk-in shower with tile surrounds, elevated finishes, a tray ceiling, and a generous custom closet. A second bedroom complements the efficient floor plan, while a dedicated laundry room and side entry add convenience. Both bathrooms showcase design tile flooring, wainscoting accents, and upscale details. Built for comfort and efficiency with spray foam insulation and an on-demand electric tankless water heater. The paver driveway and partially fenced yard provide easy outdoor living, with ample space to add a 20' x 30' ADU/Garage with separate living space or studio! This move-in-ready island home delivers modern comfort with a relaxed coastal lifestyle. Just a short bike ride to the riverfront, shopping and eclectic restaurants of historic Fernandina Beach and less than 2 miles to the ocean! Close to Fernandina Beach "A" Rated Nassau County Schools, healthcare, and more.

Property Details of 520 Division Street

Property Details

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.5300000000000000000000000000000000000000% last updated on May 28, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Dave Hewett of IRON VALLEY REAL ESTATE NORTH FLORIDA

 "Based on information submitted to Amelia Island - Nassau County Association of Realtors as of May 30, 2026 10:33 AM EDT. All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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