$535,000
Fernandina Beach, FL 32034
MLS# 2154960
3 beds | 3 baths
1 / 58
Property Description
When you can't decide between downtown and the beach, choose a home that puts you between both. Built in 2023, 523 S. 13th Terrace offers something increasingly difficult to find on Amelia Island: newer construction in an established in-town location with easy access to both historic downtown Fernandina Beach and Main Beach. Inside, vaulted ceilings and an open floor plan create a bright, airy feel, while the kitchen brings everyone together with quartz countertops, stainless steel appliances, generous cabinetry, and a spacious island. A dedicated office nook provides just enough separation for working from home without sacrificing an entire room. Upstairs, three bedrooms offer comfortable separation from the main living spaces, including a spacious primary suite designed as a quiet retreat at the end of the day. Outside, the fenced backyard and extended raised patio create room for morning coffee, weekend grilling, pets, or simply enjoying a Florida evening at home. A one-car garage a
Details
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Documents
Contract Information
Current Price: $535,000
Property Sub Type: Single Family Residence
Property Attached YN: No
Status: Active
List Price: $535,000
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: When you can't decide between downtown and the beach, choose a home that puts you between both. Built in 2023, 523 S. 13th Terrace offers something increasingly difficult to find on Amelia Island: newer construction in an established in-town location with easy access to both historic downtown Fernandina Beach and Main Beach. Inside, vaulted ceilings and an open floor plan create a bright, airy feel, while the kitchen brings everyone together with quartz countertops, stainless steel appliances, generous cabinetry, and a spacious island. A dedicated office nook provides just enough separation for working from home without sacrificing an entire room. Upstairs, three bedrooms offer comfortable separation from the main living spaces, including a spacious primary suite designed as a quiet retreat at the end of the day. Outside, the fenced backyard and extended raised patio create room for morning coffee, weekend grilling, pets, or simply enjoying a Florida evening at home. A one-car garage a
List Price/SqFt: 369.48
Status Change Information
Major Change Timestamp: 2026-09-16T13:25:15Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-09-16T13:25:15Z
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: 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
Supplements
adds everyday convenience, while major systems dating to the home's 2023 construction offer the benefits of newer construction and a lower-maintenance lifestyle. But the location is what changes how you live here. Bike or golf cart toward Centre Street for coffee, dinner, shopping, the marina, and waterfront sunsets. Head the other direction when Main Beach is calling. Whether your perfect Amelia Island day begins downtown or ends with your toes in the sand, you're positioned to enjoy both. 523 S. 13th Terrace isn't about choosing between two of Fernandina Beach's best lifestyles. Here, you don't have to. Love Where You Live.
Flood Disclosure 
Listing Office: SUMMER HOUSE REALTY
Last Updated: September - 16 - 2026
Information deemed reliable but not guaranteed.