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1421 Hickory St, Fernandina Beach, FL, 32034

2beds
2baths
1,268sqft
$495,000
$390price/sqft
$3,745/moest. monthly cost
$149,800/yrincome needed

About This Home

Welcome to easy island living. Built in 2019 and centrally located on Amelia Island, this well designed 2-bedroom, 2-bath home offers a manageable footprint without giving up the features that make a single-family home so appealing—your own fenced backyard, generous outdoor living space, an oversized detached garage and NO HOA. Inside, the bright, open-concept kitchen, living and dining areas create a surprisingly spacious feel, LVT flooring, granite countertops, stainless steel appliances and plenty of natural light. Both bedrooms feature sliding glass doors with direct access to the backyard, while the primary suite includes dual vanities and a generous walk-in closet. Outside, the large vinyl-fenced backyard offers plenty of room to create your own private retreat, with a spacious covered patio for year-round outdoor living. The impressive 18' x 30' detached garage provides exceptional space for vehicles, RV storage, a golf cart, bikes and beach gear, a workshop or additional storage. Ideally positioned between Amelia Island’s beaches, historic downtown Fernandina Beach, shopping, dining and everyday conveniences, this home is a great alternative to condo living and an ideal fit for buyers looking to downsize, simplify or enjoy a low-maintenance second home on the island. Newer construction, no HOA and everything you need—without more house than you want to maintain. Now reduced by $50K! Don't miss this adorable Island bungalow!

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
Fernandina Beach High SchoolGrades PK,3,8-120.4 mi
--
10/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2019

Materials

  • Roof: Other,See Remarks
  • Construction materials: Fiber Cement,Frame

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Cable TV
  • Window features: Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,268
  • Total interior livable area: 1,268 sqft

Property

Details

  • Parcel number: 000031180002630063
  • Zoning: R-1A

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio

Lot

  • Lot size: 7,631 sqft
  • Lot size dimensions: 86 x 89

Parking

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

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 $2,502$30,024
Home Insurance *$320$3,840
Property Taxes $726$8,712
Electricity $197$2,366
Total$3,745$44,940
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,400/yr
40% on housing$112,350/yr
45% on housing$99,866/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

$390This listing

vs Other Active Listings

Avg $/sqft

ZIP 32034$414
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
2026-08-17Listed for sale$450,000
2026-08-15Listing removed$495,000
2026-02-19Listed for sale$495,000
2022-04-13Sold$384,000
2022-03-31Pending sale$439,000
2022-03-29Listed for sale$439,000
2020-06-30Sold$277,000
2020-03-30Price change$299,000
2019-12-04Price change$339,900
2019-11-12Price change$377,900
2019-09-23Listed for sale$385,000
2018-05-11Listing removed$124,900
2017-01-06Listed for sale$124,900
2016-08-17Sold$73,000
2016-05-22Listed for sale$75,000

For Sale by Agent

AgentChelsea Keener
BrokerageCHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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