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81736 Mainsheet Ct, Fernandina Beach, FL, 32034

4beds
3baths
2,017sqft
$440,000
$218price/sqft
$3,180/moest. monthly cost
$127,200/yrincome needed

About This Home

Nestled on a quiet cul-de-sac this beautiful home offers the perfect blend of comfort, functionality, and privacy. This home has the majority of the living space conveniently located on the main level—ideal for those seeking the ease of single-story living while still having the flexibility of an upstairs retreat. Step inside to discover an open-concept floor plan with a split bedroom design. The heart of the home is the stunning kitchen, complete with 42" white shaker cabinets, quartz counters, large center island, cooktop, double ovens, and plenty of space for gathering with family and friends. The spacious primary suite offers a large walk-in shower, dual-sink vanity, and generous walk-in closet. Upstairs, you'll find a private 4th bedroom with its own full bath, making it the perfect guest suite, bonus room, home office, or space for multigenerational living. Enjoy peaceful mornings or evening cookouts on the covered patio overlooking the fully fenced backyard. Beautiful landscaping enhances the home's curb appeal, while the spacious backyard offers plenty of room to play, garden, or simply relax. Built with quality in mind, the home includes Zip System exterior sheathing, Hardie siding, Low-E Advanced Performance tilt windows, and architectural shingles for added efficiency and long-term value. This community has no CDD fees, a low HOA, and a neighborhood playground, all conveniently located just minutes from AI's beautiful beaches, historic downtown, shopping, dining, schools, and Jax Airport. This home truly presents an outstanding opportunity in today's market. The sellers are motivated, making now the perfect time to schedule your showing and see everything this home has to offer before someone else does.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
Fernandina Beach High SchoolGrades PK,3,8-126.7 mi
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Construction

Condition

  • Property condition: Resale
  • Year built: 2019

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement

Other

  • Builder name: Dream Finders Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,One Story,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Microwave,Oven,Refrigerator,Stove,Washer

Bedroom

  • Level: Main
  • Dimensions: 11x11

Bedroom

  • Level: Main
  • Dimensions: 11x11

Bedroom

  • Level: Upper
  • Dimensions: 13x13

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main
  • Dimensions: 12x11

Features

  • Ceiling Fan(s),Split Bedrooms,Cable TV,Window Treatments
  • Window features: Aluminum Frames,Screens,Drapes

Great Room

  • Level: Main
  • Dimensions: 15x17

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,017
  • Total interior livable area: 2,017 sqft

Master Bedroom

  • Level: Main
  • Dimensions: 12x17

Property

Details

  • Parcel number: 292N28011500580000
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Covered,Patio
  • Exterior features: Fence,Sprinkler/Irrigation

Lot

  • Lot size: 7,156 sqft
  • Lot size dimensions: 30 x 115 x 99 x 117

Parking

  • Total spaces: 2
  • Parking features: Driveway,Two Car Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Heat Wave
Tornado
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 $2,224$26,688
Home Insurance *$284$3,408
Property Taxes $470$5,640
Electricity $202$2,435
Total$3,180$38,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,028/yr
40% on housing$95,400/yr
45% on housing$84,800/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

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 32034$414
Nassau County$311

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
2026-08-07Price change$430,000
2026-07-15Listed for sale$440,000
2020-01-31Sold$286,500
2020-01-02Pending sale$295,990
2019-06-10Listed for sale$295,990

For Sale by Agent

AgentBrittany Darby
BrokerageCENTURY 21 MILLER ELITE

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