Listed by PHILLIP TITA of FERNANDINA BEACH REALTY
Furnished Short-term rental permits are already in place for this exceptional 3-bedroom, 2-bathroom, 1,686 sq. ft. oceanfront single-family home, making it an incredible, income-ready opportunity free from restrictive association rules. Located in the historic city of Fernandina Beach with its wonderful beaches and active downtown life, this rare property offers an unbeatable footprint right on the sand with no HOA fees or restrictions. The open-concept floor plan is designed for comfortable beachside living. Guests and residents alike can wake up to stunning vistas of the Atlantic Ocean in the primary sanctuary-before heading out to the oceanfront balcony and patio to enjoy the morning sunrises and salt-air breeze. The interior features an open kitchen for low-maintenance coastal living. Whether you are looking for a lucrative addition to your investment portfolio or a flexible second home, this restriction-free property delivers an unparalleled shoreline lifestyle. Water damage was repaired under front upper north side window and double window next to front door. No artwork in home will convey.

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Federal 30-year interest rate: 7.03% last updated on Sep 24, 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 September 30, 2026 10:47 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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