1522 FRANKLIN Street, Fernandina Beach, FL, 32034 | $545,000

SELLER OFFERING RENT-TO-OWN option! Discover the allure of this ideally situated home in a HIGHLY SOUGHT AFTER NEIGHBORHOOD, where the freedom of no HOA constraints allows you to live your best ISLAND LIFE! Spanning nearly 1, 400 square feet, this 3-bedroom, 2-bathroom gem offers a canvas awaiting your personal touch. Step inside to find a seamless blend of classic and updated elements. The home boasts beautifully refinished original wood floors that evoke a sense of warmth and charm. Freshly painted walls, new carpets in the bedrooms, new granite countertops and new kitchen sink help enhance this home. The heart of the home, the kitchen, has been thoughtfully opened up to the family room, creating an airy, open-plan living space. Outside, the natural yard is a private oasis, dotted with mature fruit trees—perfect for gardening enthusiasts and those who love outdoor living. LOCATION IS KEY, and this home is conveniently situated on one of the HIGHEST POINTS on the pristine beaches, Egan's Creek, and Fort Clinch, putting recreation and relaxation at your doorstep. For those considering a larger property or investment opportunity, the adjacent lot is also available for purchase (see MLS #2024735). SELLER FINANCING IS AVAILABLE, making this an excellent opportunity for a variety of buyers. Whether you're a first-time homeowner, looking to downsize, or seeking a fantastic investment, this property checks all the boxes. Don't miss outcome and see why this home is a perfect choice for those dreaming of a laid-back lifestyle combined with convenience and charm. Schedule your tour today!

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Style: Traditional
  • Year Built: 1977
  • Heating: Central, Electric
  • Cooling: Central Air, Electric
  • Approx Sq. Feet: 1,388
  • Acreage: 0.2
  • Est. Taxes: $4,785
  • Elem. School: Emma Love Hardee
  • Middle School: Fernandina Beach
  • High School: Fernandina Beach
  • Appliances: Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
  • MLS#: 2024754
  • Days on Market: 17 days
  • Website: https://www.raveis.com
    /prop/2024754/1522franklinstreet_fernandinabeach_fl?source=qrflyer
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888.699.8876

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1522 FRANKLIN Street, Fernandina Beach, FL, 32034

$545,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $436,000 $436,000 $436,000
Term 360 months 360 months 180 months
Initial Interest Rate** 7.125% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.456% 7.171% 6.276%
Monthly Tax Payment $399 $399 $399
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,937 $2,898 $3,677
Total Monthly Payment $3,428 $3,389 $4,168

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.