523 S 13TH Terrace Fernandina Beach, FL $ 549,900
523 S 13TH Terrace
$ 549,900
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523 S 13TH Terrace

Fernandina Beach, FL, 32034
$ 549,900
Bedrooms3 Baths2.1 Sq 1,448

Monthly Estimate*

$ 3,431

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Single Family Home for sale in Fernandina Beach, FL

for $549,900 with 3 bedrooms and 2 full baths, 1 half bath. This 1,448 square foot home was built in 2023 on a lot size of 0.06.

Stylish New Construction Just Minutes from Downtown Fernandina Beach. 523 S. 13th Terrace is where modern design meets coastal charm. Built in 2023, this beautifully crafted 3-bedroom, 2.5-bath home offers the perfect blend of comfort, efficiency, & location, just a quick golf cart ride to downtown Fernandina Beach, Central Park, & the island's pristine beaches. Inside, the thoughtful open floor plan highlights soaring vaulted ceilings, tall windows, & designer finishes throughout. The chef-inspired kitchen features quartz countertops, stainless-steel appliances, & a spacious island that opens seamlessly into the living & dining areas, ideal for entertaining or casual family living. Upstairs, each bedroom includes walk-in closets & plenty of natural light, while the primary suite feels like a private retreat. Enjoy low-maintenance living & peace of mind with all major systems new in 2023, including the HVAC, roof, & hot water heater. Step outside to a raised patio & fenced backyard, perfect for morning coffee or evening gatherings under the stars. The one-car garage offers convenience & storage, while the manageable lot size keeps upkeep effortless. Located within the City of Fernandina Beach, you're minutes from local favorites like Centre Street's boutiques & restaurants, Amelia Riverfront, & the community's best parks & trails. Whether you're a first-time buyer, second-home owner, or family ready to embrace the island lifestyle, this home delivers the perfect combination of value & location. Move-in ready & offered at $564,900, this is your opportunity to live close to everything you love about Fernandina Beach. Schedule your private showing today and start living the "Love Where You Live" lifestyle on Amelia Island.

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Single Family Active

Price

$ 549,900

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 4,998

Style

Traditional

Lot Size

0.06

Year Built

2023

Town/City

Fernandina Beach

County/Region

Nassau

MLS | Web ID

2106370

Features
Interior
Interior Amenities Breakfast Bar Ceiling Fan(s) Open Floorplan Primary Bathroom - Shower No Tub Walk-In Closet(s)
Flooring Laminate
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Half Baths 1
Laundry Features Electric Dryer Hookup Upper Level Washer Hookup
Total Bedrooms 3
Total Baths 3
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General
Sewer Public Sewer
Heating Central Electric
Cooling Central Air Electric
Utilities Electricity Connected Sewer Connected Water Connected
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher Double Oven Electric Cooktop Electric Water Heater Microwave Refrigerator
Garage Spaces 1.0
Patio/Porch Features Covered Patio Rear Porch
Architectural Style Traditional
Construction Materials Composition Siding Frame
Year Built 2023
Stories Count 2
Levels Two
Property Subtype Single Family Residence
Tax Year 2024
Current Use Residential
Parcel Number 000031180002410380
County Nassau
New Construction 0
Property Type Residential
HOA N
Attached Garage Y
Subdivision Name City Of Fernandina Beach
Facing Direction East
Garage Y/N Y
Total Rooms 0
Full Baths 2
Status Active
Directions From 14th Street turn towards downtown on Fir Street. Turn right on S 13th Terrace. Home will be on the left.
City Fernandina Beach
Senior Community Y/N N
MLS Area 410-Fernandina Beach Downtown-West
Lot Size Units Acres
Lot Size Square Feet 2613.6
Carport Y/N N
Listing Terms Cash Conventional FHA USDA Loan VA Loan
Property Attached Y/N N
Tax Annual Amount 4998.89
Home Warranty Y/N N
Property Condition Updated/Remodeled
Lease Renewal Y/N N
MLS Area Minor 410-Fernandina Beach Downtown-West
Lease Considered Y/N N
Rent Control Y/N N
Virtual Tour https://www.zillow.com/view-imx/5c5ad852-11b4-459c-b57e-e66ad97982fc?wl=true&setAttribution=mls&initialViewType=pano
Standard Status Active
Cash True
Conventional True
Accessory Dwelling Unit Y/N N
Water Body Access Y/N None
CDD N
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Exterior
Fencing Back Yard
Parking Features Attached Garage Garage Door Opener
Water Source Public
Lot Size Area 0.06
Spa N
Lot Size Acres 0.06
Road Surface Type Asphalt
Waterfront Y/N N
Road Frontage Type City Street
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 523
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* Excluded Features
List By
Summer House Realty

Broker

thisisangie@summerhouserealty.com

Email

Affordability Calculator

$3,847
Per Month
89%
11%
0%
Monthly Principal & Interest
$3,431
Monthly Property Taxes
$417
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
308105 Elementary School
308138 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
12/15/2025$549,900 -1.79% Price Down
11/10/2025$559,900 -0.89% Price Down
8/29/2025$564,900 Listed Price

Map


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523 S 13TH Terrace, Fernandina Beach, FL, 32034 is a Single Family Home for sale at $549,900 with 1,448 sqft and a lot size of 0.06. 523 S 13TH Terrace has 3 bedrooms, 2.1 baths, and was built in 2023. The property's zip code is 32034 which is in Fernandina Beach, FL