Listed by ADELE SUDDES of CENTURY 21 MILLER ELITE LLC
TRUE DEEP WATER! 25 TO 30 FEET AT ALL TIDES! Offering 100 feet of river frontage, a PRIVATE DOCK and open ocean access about 12 minutes away by boat, this rare Fernandina waterfront property is built around boating, fishing and life on the water. Set on a flat one-acre lot in an established enclave of MULTIMILLION-DOLLAR HOMES, it offers the flexibility to enjoy now, RENT ON AIRBNB OR VRBO with estimated annual rental income of approximately $100,000, or build a custom waterfront residence in the future. CAST FOR LARGEMOUTH BASS, redfish, bream and crappie; WATCH DOLPHINS, SEA TURTLES, OTTERS, PELICANS, ospreys and eagles; and enjoy SPACEX LAUNCHES FROM YOUR OWN BACKYARD. The updated 3-bedroom, 2-bath brick home features an OPEN-CONCEPT LAYOUT, NEWER HVAC, NEW WINDOWS, AN EXPANSIVE COVERED PATIO AND BROAD WATER VIEWS. A HEAVILY REINFORCED RIPRAP SHORELINE adds protection, while the property's location OUTSIDE THE FLOOD ZONE and freedom from HOA or CDD fees add peace of mind. All within easy reach of FERNANDINA'S AWARD-WINNING BEACHES, DINING, SHOPPING AND HISTORIC DOWNTOWN. A setting this deep, usable and well located is exceptionally hard to find. Furniture negotiable.

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Federal 30-year interest rate: 7.4% last updated on Oct 8, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.

 "Based on information submitted to Northeast Florida Association of REALTORS as of October 14, 2026 1:19 PM UTC . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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