415 S 4th StreetFernandina Beach, FL 32034Price: $615,000

  • Price: $615,000
  • Est. Mortgage of $/month
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$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $615,000List Price
  • 3Bedrooms
  • 2Full Bath
  • 1,389Square Feet
Nestled in the heart of historic Fernandina Beach, 415 S. 4th Street is a charming downtown cottage offering privacy, character, and an unbeatable location just blocks from Centre Street. Enjoy easy access to local boutiques, art galleries, waterfront dining, live music, the marina, and Amelia Island's beautiful beaches - all while tucked away in your own private oasis. Surrounded by mature tropical landscaping, this 3-bedroom, 2-bath home features a warm and inviting layout with a spacious Florida room that provides additional year-round living space filled with natural light. The home offers vinyl plank flooring, stainless steel appliances, granite countertops, and a large walk-in tiled shower. Outside, the welcoming front porch and privacy-fenced backyard create a peaceful setting to relax and enjoy the coastal lifestyle Fernandina Beach is known for. The property also offers a private driveway along with additional shell parking along the street. Whether you are looking for a full-time residence, weekend getaway, or investment opportunity, this property offers timeless charm in one of Amelia Island's most desirable downtown locations - all with no HOA or CDD fees. (Interior photos coming soon!)

Property Details of 415 S 4th Street

Property Details

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 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.
Listed by Grace Royal of CABANA LANE,INC.

 "Based on information submitted to Amelia Island - Nassau County Association of Realtors as of May 26, 2026 4:33 PM EDT. 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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