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1618 Plantation Oaks Ln, Fernandina Beach, FL, 32034

5beds
4baths
2,910sqft
$1,600,000
$550price/sqft
$11,329/moest. monthly cost
$453,160/yrincome needed

About This Home

WELCOME TO YOUR DREAM HOME! Less than a mile from the BEACH, this exceptional custom-built pool home offers the rare combination of luxury, privacy, and freedom with NO HOA and NO deed restrictions. Boasting 4 bedrooms + a BONUS ROOM and situated on over a quarter acre lot backing to the prestigious Amelia Island Golf Club (Ritz-Carlton property), this 2019 residence is designed for effortless coastal living. The resort-style saltwater pool steals the show with a cascading waterfall, LED lighting, extended paver deck, screened lanai, and fully fenced backyard—creating the perfect, private setting for entertaining or relaxing year-round. Offering nearly 3,000 square feet, this thoughtfully designed split-bedroom floor plan features soaring vaulted ceilings, beautiful ceramic tile flooring, custom blinds, and custom-designed barn doors that add warmth and character throughout. The open-concept living spaces flow seamlessly into the chef's kitchen, complete w/ quartz countertops, stainless steel appliances, double ovens, walk-in pantry & abundant cabinets/counter space. Featuring a spacious double garage PLUS a separate air-conditioned single-bay garage that is ideal for a workshop, home gym, golf cart, or collector vehicle. Premium upgrades include a whole-house generator, tankless water heater, water softener, stubbed for gas appliances if desired, extended paver driveway & quality finishes throughout. Perfectly positioned just moments from the beach, dining, shopping & everything Amelia Island has to offer! This one-of-a-kind custom home delivers the ultimate Florida lifestyle without the restrictions. Luxury, location, and exceptional outdoor living - this is YOUR DREAM HOME!

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
62
BikeBikeable

Schools

6/10
Fernandina Beach High SchoolGrades PK,3,8-125.0 mi
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Construction

Condition

  • Property condition: Resale
  • Year built: 2019

Materials

  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Water Softener Owned,Stove

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1

Features

  • French Door(s)/Atrium Door(s),Split Bedrooms,Window Treatments
  • Door features: French Doors
  • Window features: Insulated Windows,Blinds

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,910
  • Total interior livable area: 2,910 sqft

Property

Details

  • Parcel number: 000030087000140000
  • Zoning: RS-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Private,Screen Enclosure
  • Patio & porch: Rear Porch,Brick,Deck,Patio,Screened
  • Exterior features: Fence,Sprinkler/Irrigation
  • Frontage type: Golf Course

Lot

  • Lot size: 0.37 Acres
  • Lot size dimensions: 0.36

Parking

  • Total spaces: 3
  • Parking features: Driveway,Three Car Garage,Three or more Spaces,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Heat Wave
Inland Flooding
Ice Storm
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Nassau County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,090$97,080
Home Insurance *$1,035$12,420
Property Taxes $1,912$22,944
Electricity $292$3,514
Total$11,329$135,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$388,422/yr
40% on housing$339,870/yr
45% on housing$302,106/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$550This listing

vs Other Active Listings

Avg $/sqft

ZIP 32034$411
Nassau County$309

vs Homes Sold Last Month

Median $/sqft

ZIP 32034$303
Nassau County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-03Listed for sale$1,600,000
2019-03-18Sold$619,900
2018-03-19Sold$150,000
2004-04-30Sold$96,500
2000-06-12Sold$78,500

For Sale by Agent

AgentAngela Garcia
BrokerageWATSON REALTY CORP.

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