1098 S FLETCHER Avenue, Fernandina Beach, FL, 32034 | $1,890,000

Welcome to your dream oceanfront retreat, offering breathtaking views of the beach, shoreline, and endless ocean! This charming 3-bedroom, 3. 5-bath beach house is the perfect coastal getaway, and can be AIRBNB'd on a monthly basis. Two of the bedrooms are ensuite and it features a heated/cooled 2-car garage, which adds 400 sq. ft. of potential living space. Imagine stepping outside to find the beach as your backyard—no lengthy boardwalks or hassles, just direct access to the sand. Constructed from durable cement block, this home is as strong as it is beautiful, filled with timeless beach house charm. FULLY FURNISHED, the vibrant decor and colorful artwork create a relaxed beachy vibe. Inside, the great room is an ideal space for family gatherings, with its vaulted beamed ceiling and distressed exposed brick. Spectacular ocean views frame the room, making every moment special. The upper deck offers a serene setting to enjoy stunning sunrises and includes a covered section for shaded ocean gazing, perfect for sunny afternoons. The open floor plan flows seamlessly from the great room to a galley kitchen, outfitted with newer appliances and butcher block countertops. Upstairs, the primary bedroom boasts a king-sized bed, ensuite bath, and tranquil ocean views. On the lower level, you'll find two additional bedrooms and two full baths. Luxury vinyl plank and tile flooring are throughoutNO CARPETING. Outside, the fenced, irrigated yard offers a lush grassy area, ideal for pets or lawn games, like corn hole or horseshoes. Tucked away from busy beach access points, this home feels like a private paradise, yet is just minutes from the dining, shops, and entertainment of historic Fernandina. Your peaceful, beachside haven awaits!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 3 full / 1 half
  • Year Built: 1962
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,190
  • Acreage: 0.12
  • Est. Taxes: $18,169
  • View: Ocean
  • Water Front: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
  • MLS#: 2048768
  • Days on Market: 72 days
  • Website: https://www.raveis.com
    /eprop/2048768/1098sfletcheravenue_fernandinabeach_fl?source=qrflyer
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Listing courtesy of CENTURY 21 MILLER ELITE LLC

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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
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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
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1098 S FLETCHER Avenue, Fernandina Beach, FL, 32034

$1,890,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,512,000 $1,512,000 $1,512,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.625% 6.500% 6.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.209% 6.636% 6.684%
Monthly Tax Payment $1,514 $1,514 $1,514
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $9,682 $9,557 $13,171
Total Monthly Payment $11,321 $11,196 $14,810

* 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.