523 S 13TH Terrace, Fernandina Beach, FL 32034 (MLS# 2154960)

523 S 13TH Terrace, Fernandina Beach, FL 32034

$549,900
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,448 Lot Size (sq. ft.): 2,614 Status: Active
Current Price: $549,900 List Date: 7/11/2026 Last Modified: 8/10/2026

Overview

Description

Now Offering $5000 in Contribution to Buyer's CLOSING COST! Downtown Fernandina Beach is more than a destination--it's a lifestyle. At 523 S. 13th Terrace, you're just minutes from Centre Street's restaurants, boutiques, waterfront sunsets, and the everyday charm that makes Amelia Island so special. Built in 2023, this thoughtfully designed home offers the perfect blend of modern construction and coastal convenience. Soaring ceilings create an open, airy feel, while the chef-inspired kitchen features quartz countertops, stainless steel appliances, and a generous island that naturally becomes the gathering place for family and friends. Upstairs, spacious bedrooms provide comfort and privacy, including a serene primary suite designed for relaxation at the end of the day. With all major systems new in 2023, you'll enjoy the peace of mind and low-maintenance lifestyle today's buyers are seeking. Step outside to a raised patio and fenced backyard, creating the perfect space for morning

Supplements: coffee, weekend cookouts, or quiet evenings under the stars. A one-car garage and manageable lot size make everyday living simple and efficient. Perfectly positioned between downtown Fernandina Beach and Main Beach, this location makes it easy to embrace the Amelia Island lifestyle. Hop on your bike, take a golf cart ride to Centre Street for dinne ...

Listing Details MLS# 2154960

General Property Information

Bedrooms Total
3
Bathrooms Full
2
Bathrooms Half
Yes
Bathrooms Total
3
Living Area
1448
Living Area Source
Public Records
Year Built
2023
Accessory Dwelling Unit Y/N
No
Homestead YN
Yes
Lot Size Acres
0.06
Association YN
No
CDD Fee YN
No
Accessibility Features YN
No
New Construction YN
No
Garage YN
Yes
Garage Spaces
Yes
Carport YN
No
Pool Private YN
No
Water Body Access YN
No
Waterfront YN
No
Furnished
Unfurnished
Stories
2
Entry Level
Yes
Senior Community YN
No
Direction Faces
East
Directions
From 14th Street, turn west on to Fir. Turn right on to South 13th Terrace. Home is on the left!
Public Remarks
Now Offering $5000 in Contribution to Buyer's CLOSING COST! Downtown Fernandina Beach is more than a destination--it's a lifestyle. At 523 S. 13th Terrace, you're just minutes from Centre Street's restaurants, boutiques, waterfront sunsets, and the everyday charm that makes Amelia Island so special. Built in 2023, this thoughtfully designed home offers the perfect blend of modern construction and coastal convenience. Soaring ceilings create an open, airy feel, while the chef-inspired kitchen features quartz countertops, stainless steel appliances, and a generous island that naturally becomes the gathering place for family and friends. Upstairs, spacious bedrooms provide comfort and privacy, including a serene primary suite designed for relaxation at the end of the day. With all major systems new in 2023, you'll enjoy the peace of mind and low-maintenance lifestyle today's buyers are seeking. Step outside to a raised patio and fenced backyard, creating the perfect space for morning
List Price/SqFt
379.77

Property Features

Architectural Style: Traditional Levels: Two Rental Restrictions: 1 Month Appliances: Dishwasher; Electric Range; Microwave; Refrigerator Interior Features: Breakfast Bar; Ceiling Fan(s); Eat-in Kitchen; Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Walk-In Closet(s) Flooring: Luxury Vinyl; Tile Laundry Features: Upper Level Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected; Other Cooling: Central Air; Electric Heating: Electric; Heat Pump Water Source: Public Sewer: Public Sewer Construction Materials: Composition Siding; Frame Patio And Porch Features: Rear Porch Roof: Shingle Parking Features: Garage; Garage Door Opener Fencing: Back Yard Current Use: Residential Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type
Single Family Residence
Property Attached YN
No
Listing Contract Date
2026-07-01

Location Tax and Legal

Street Number
523
Street Direction Prefix
S
Street Name
13TH
Street Suffix
Terrace
County
Nassau
State
FL
Postal Code
32034
MLS Area Major
410-Fernandina Beach Downtown-West
Subdivision Name
City Of Fernandina Beach

Status Change Information

Major Change Timestamp
2026-07-11T14:17:53Z
Major Change Type
New Listing

DPR Eligible

DPR Eligible
Yes

More Information

Location, Tax, and Legal

Country
US
Parcel Number
000031180002410380
Tax Annual Amount
6615.83
Tax Year
2025
Tax Legal Description
BLOCK 241 LOT 38 CITY OF FDNA BEACH

Appliances

Dishwasher
Yes
Electric Range
Yes
Microwave
Yes
Refrigerator
Yes

Construction Materials

Composition Siding
Yes
Frame
Yes

Cooling

Central Air
Yes
Electric
Yes

Current Use

Residential
Yes

Fencing

Back Yard
Yes

Flooring

Luxury Vinyl
Yes
Tile
Yes

Heating

Electric
Yes
Heat Pump
Yes

Laundry Features

Upper Level
Yes

Levels

Two
Yes

Listing Terms

Cash
Yes
Conventional
Yes
FHA
Yes
VA Loan
Yes

Parking Features

Garage
Yes
Garage Door Opener
Yes

Possession

Close Of Escrow
Yes

Roof

Shingle
Yes

Sewer

Public Sewer
Yes

Utilities

Cable Available
Yes
Electricity Connected
Yes
Sewer Connected
Yes
Water Connected
Yes
Other
Yes

Water Source

Public
Yes

Architectural Style

Traditional
Yes

Patio And Porch Features

Rear Porch
Yes

Interior Features

Breakfast Bar
Yes
Ceiling Fan(s)
Yes
Eat-in Kitchen
Yes
Entrance Foyer
Yes
Kitchen Island
Yes
Open Floorplan
Yes
Pantry
Yes
Primary Bathroom - Shower No Tub
Yes
Walk-In Closet(s)
Yes

Rental Restrictions

1 Month
Yes

Documents

Listing Office: SUMMER HOUSE REALTY
Source MLS Verified
Last Updated: August - 10 - 2026
Information deemed reliable but not guaranteed.
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