418 S 8th St, Fernandina Beach, FL, 32034
About This Home
Newer construction in downtown Fernandina Beach is rare, and this meticulously maintained home checks every box. This beautifully upgraded townhome is just blocks from the Historic District and Centre Street, boutique shops, eclectic dining, and lively entertainment. The versatile layout includes two bedrooms plus an office/flex space, ideal for remote work or hosting guests, along with two and a half bathrooms. The open floor plan and neutral palette create a bright, airy atmosphere, while ceiling fans in every room add everyday comfort. The soaring 10-foot ceilings upstairs, 9-foot ceilings downstairs and superior Mohawk Revwood Plus plank flooring throughout create a polished, high-end feel. The kitchen is finished with upgraded GE Café appliances in Matte White with brushed bronze hardware, gas double oven range with convection, 3cm Level 2 quartz countertops, a tile backsplash, soft-close cabinet doors with upgraded hardware and custom lighting throughout. The primary suite is a true retreat, with double step ceilings, a spa-like ensuite featuring double sinks, a large walk-in shower with custom tile surround, and marble Herringbone tile floor. Additional upgrades include a whole-home water softener and filtration system, tankless water heater, video doorbell and Roman shades, blinds, and curtains throughout. An oversized 16'x20' garage has room for both a car and golf cart, perfect for cruising the island with beaches less than 2 miles away. HOA dues cover water, sewer, garbage, and common area maintenance, offering a true lock-and-leave lifestyle in one of Fernandina Beach's most sought-after locations.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2023
Materials
- Roof: Shingle
- Construction materials: Fiber Cement,Frame
Other
- Builder name: New Atlantic Builders
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Some Gas Appliances,Dryer,Dishwasher,Disposal,Microwave,Oven,Refrigerator,Water Softener Owned,Stove,Washer
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- Partial bathrooms: 1
Features
- Ceiling Fan(s),Split Bedrooms,Storage,Cable TV,Window Treatments
- Window features: Vinyl,Blinds,Drapes
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 1,454
- Total interior livable area: 1,454 sqft
Other
- Level: Lower
Property
Details
- Parcel number: 000031102500100000
- Zoning: MU-8
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch
- Exterior features: Fence
Lot
- Lot size: 1,799 sqft
- Lot size dimensions: 0.0413
Parking
- Total spaces: 1
- Parking features: Driveway,One Car Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- Hurricane
- Heat Wave
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Nassau County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,776 | $33,312 |
| Home Insurance * | $355 | $4,260 |
| Property Taxes | $705 | $8,460 |
| Electricity | $197 | $2,366 |
| Total | $4,033 | $48,396 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-13 | Price change | $534,900 |
| 2026-07-16 | Listed for sale | $549,000 |
| 2023-08-16 | Sold | $494,300 |
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