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230 BENJAMIN Street, Fernandina Beach, FL, 32034 | $499,000
Charming brick bungalow in the PERFECT island location, nestled in a quiet neighborhood with NO HOA fees. Just minutes from historic downtown, Egan's Creek, Central Park, and schools — this 3 bed 2 bath home feels like a cozy retreat while keeping you close to everything. The classic curb appeal and welcoming covered front porch make it feel like home the moment you arrive. Inside, the cozy floor plan is all about comfort and warmth. The eat-in kitchen is both practical and inviting, with a granite island and solid wood cabinets featuring pull-out drawers—perfect for everything from weeknight meals to holiday baking. Flooded with natural light, the spacious Florida room truly shines. It's your go-to spot for morning coffee, curling up with a good book, or hosting casual get-togethers while enjoying views of the outdoors. The yard is full of charm, with fruit trees, a BRAND-NEW DRIVEWAY, and the cutest little shed you've ever seen. Additional upgrades include newer windows, an Insulated crawl space, updated bathrooms, and an upgraded drainage system by the road. It's the perfect blend of peaceful living and island charm and it might just be the slice of Amelia Island you've been looking for.
Features
- Rooms: 10
- Bedrooms: 3
- Baths: 2 full
- Lot Size: 100x86
- Laundry: In Unit
- Style: Ranch
- Year Built: 1972
- Heating: Heat Pump
- Cooling: Central Air
- Approx Sq. Feet: 1,128
- Acreage: 0.2
- Lot Size: 100x86
- Est. Taxes: $1,805
- Appliances: Dishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
- MLS#: 2057657
- Days on Market: 32 days
- Website: https://www.raveis.com
/prop/2057657/230benjaminstreet_fernandinabeach_fl?source=qrflyer
Listing courtesy of SUMMER HOUSE REALTY
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
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
230 BENJAMIN Street, Fernandina Beach, FL, 32034
$499,000
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 | $399,200 | $399,200 | $399,200 |
| 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 | $150 | $150 | $150 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,689 | $2,653 | $3,367 |
| Total Monthly Payment | $2,914 | $2,878 | $3,592 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388