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511 Ash St, Fernandina Beach, FL, 32034

4beds
6baths
3,563sqft
$2,950,000
$828price/sqft
$21,355/moest. monthly cost
$854,200/yrincome needed

About This Home

511 ASH STREET | DOWNTOWN FERNANDINA BEACH — A rare double-lot (2) home package in the heart of Fernandina Beach with main-level primary living and Southern Living–style porches, offering scale and flexibility that are nearly impossible to find downtown. Set on the historic News-Leader homesite, this 12,500 sq ft property delivers space that stands apart. The main home, built in 2021, spans over 3,000 sq ft with 3 bedrooms, 4.5 baths, and a bonus flex room, featuring engineered oak floors, 1x10 wood walls, coffered ceilings, Andersen insulated windows, a seamless metal roof, and 3-zone HVAC. The kitchen is equipped with Sub-Zero and Wolf appliances, dual Bosch dishwashers, and a large butler’s pantry. Two Isokern fireplaces add character throughout. The main-level primary suite includes a private sitting room, its own porch, large walk-in closets, a spacious bath, and an outdoor private shower. Upstairs offers two ensuite bedrooms, a gallery space, an additional flex area, and a full bath. Expansive porches with gas lanterns and composite tongue-and-groove decking create inviting outdoor living spaces. A detached cottage, completed in 2023, includes 1 bedroom, 1 bath, cathedral ceilings, full kitchen, laundry, Isokern fireplace, private porch with retractable awning, and a dedicated paver parking area. Room for a pool with the cottage ideal as a future pool house. Oversized two-car garage with walk-up storage completes the property, just moments from downtown shops, dining, and the waterfront.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

--
6/10
Fernandina Beach High SchoolGrades PK,3,8-121.0 mi
10/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Roof: Metal
  • Construction materials: Fiber Cement,Frame

Other

  • Builder name: Castleton Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dryer,Dishwasher,Disposal,Refrigerator,Water Softener Owned,Stove,Washer

Bedroom

  • Level: Upper
  • Dimensions: 11x13

Bedroom

  • Level: Upper
  • Dimensions: 12x13

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 5
  • Partial bathrooms: 1

Family Room

  • Level: Upper
  • Dimensions: 30x8

Features

  • Ceiling Fan(s),Fireplace,Split Bedrooms,Storage,Cable TV,Window Treatments
  • Window features: Vinyl,Blinds
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,563
  • Total interior livable area: 3,563 sqft

Kitchen

  • Level: Main
  • Dimensions: 8x16

Living Room

  • Level: Main
  • Dimensions: 25x21

Master Bedroom

  • Level: Main
  • Dimensions: 14x23

Office

  • Level: Main
  • Dimensions: 13x13

Property

Details

  • Parcel number: 000031180000290070
  • Zoning: C-3

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Front Porch,Patio
  • Exterior features: Fence,Sprinkler/Irrigation

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 125 x 100

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Heat Wave
Lightning
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 $14,916$178,992
Home Insurance *$1,908$22,896
Property Taxes $4,173$50,076
Electricity $358$4,302
Total$21,355$256,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$732,171/yr
40% on housing$640,650/yr
45% on housing$569,466/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

$828This listing

vs Other Active Listings

Avg $/sqft

ZIP 32034$409
Nassau County$308

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)

No zestimate history available

Price History

DateEventPrice
2026-04-24Listed for sale$2,950,000
2000-09-14Sold$308,000

For Sale by Agent

AgentJenny Schaffer, SUMMER HOUSE REALTY, Ariel Marinel, SUMMER HOUSE REALTY
BrokerageSUMMER HOUSE REALTY

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