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

523 S 13TH Terrace, Fernandina Beach, FL 32034

$544,900
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,448 Lot Size (sq. ft.): 2,614 Status: Active
Current Price: $544,900 List Date: 7/11/2026 Last Modified: 8/30/2026

Description

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 dinner, or spend the afternoon with your toes in the sand. Few locations offer this level of convenience to both the beach and downtown. Move-in ready and beautifully maintained, this home offers a rare opportunity to enjoy newer construction in one of Fernandina Beach's most desirable in-town locations. Love Where You Live.

More Information MLS# 2154960

Contract Information

Current Price: $544,900 Property Sub Type: Single Family Residence Property Attached YN: No Status: Active List Price: $544,900 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

General Property Information

Bedrooms Total: 3 Bathrooms Full: 2 Bathrooms Half: 1 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: 1 Carport YN: No Pool Private YN: No Water Body Access YN: No Waterfront YN: No Furnished: Unfurnished Stories: 2 Entry Level: 1 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: 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: 376.31

Status Change Information

Major Change Timestamp: 2026-08-13T16:19:05Z Major Change Type: Price Reduced Price Change Timestamp: 2026-08-13T16:19:05Z

DPR Eligible

DPR Eligible: Yes

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: 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
Listing Office: SUMMER HOUSE REALTY
Last Updated: August - 30 - 2026
Information deemed reliable but not guaranteed.