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766 Adams Rd, Fernandina Beach, FL, 32034

3beds
4baths
2,831sqft
$899,900
$318price/sqft
$5,963/moest. monthly cost
$238,520/yrincome needed

About This Home

Welcome to 766 Adams Road, a stunning new custom build by Skipper Construction on Amelia Island, thoughtfully built in 2026 to capture the essence of island living. Set on over a third of an acre, this beautifully crafted home offers more than 2,800 square feet of living space with 3 spacious bedrooms and 3.5 bathrooms. The primary suite is conveniently located on the main level, creating a private and comfortable retreat. Inside, you’ll find elevated finishes throughout, including high-end quartz countertops, custom lighting, a gas cooktop with pot filler and hood system, and thoughtfully designed closet organization. Each bedroom offers generous space, making the home as functional as it is beautiful. Enjoy your mornings on the screened porch, surrounded by the natural beauty of mature live oaks draped in Spanish moss. The oversized two-car carport includes additional storage closets, perfect for beach gear and bikes, and is connected to the home by a covered walkway for added convenience. The expansive backyard offers room for a future pool, giving you the opportunity to create your own private outdoor oasis. This is more than just new construction, it’s a home designed for the Amelia Island lifestyle, where comfort, southern charm, and thoughtful design come together seamlessly.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
61
BikeBikeable

Schools

6/10
Fernandina Beach High SchoolGrades PK,3,8-122.0 mi
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Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Frame

Other

  • Builder name: Skipper Construction

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dishwasher,Disposal,Microwave,Refrigerator,Stove

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Storage,Cable TV
  • Window features: Insulated Windows

Heating & Cooling

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

Interior Area

  • Total structure area: 2,831
  • Total interior livable area: 2,831 sqft

Property

Details

  • Parcel number: 000030015000110000
  • Zoning: RS-2
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Rear Porch,Front Porch,Screened

Lot

  • Lot size: 0.34 Acres
  • Lot size dimensions: 140 x 321

Parking

  • Parking features: Carport,Driveway
  • Has uncovered spaces: Yes
  • Carport: 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
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
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 $4,550$54,600
Home Insurance *$582$6,984
Property Taxes $547$6,564
Electricity $284$3,418
Total$5,963$71,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,445/yr
40% on housing$178,890/yr
45% on housing$159,013/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

$318This listing

vs Other Active Listings

Avg $/sqft

ZIP 32034$413
Nassau County$310

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
2026-05-01Listed for sale$974,900
2026-04-15Listing removed$998,500
2026-03-04Listed for sale$998,500
2026-03-03Listing removed$998,500
2025-09-15Listed for sale$998,500

New Construction

AgentTammy Tingle
BrokerageCENTURY 21 MILLER ELITE

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