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314 N 5th Street, Fernandina Beach, FL 32034

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For Sale
Price Reduced

$899,500

4 beds • 4 baths • 2,784 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • 1900
    Year built

  • $323.10
    Price per square foot

  • 1 Car Garage
    Garage Count

Explore this Property

$200K PRICE DROP-NOW THE LOWEST PRICED 4-BEDROOM HOME DOWNTOWN BY PRICE PER SQUARE FOOT! A flexible layout includes FOUR BEDROOMS AND AN ADDITIONAL PRIVATE-ENTRY FIRST-FLOOR EFFICIENCY SUITE WITH FULL BATH AND KITCHENETTE, CURRENTLY BRINGING IN $1,100/MONTH IN RENTAL INCOME-perfect for guests, multi-generational living, or added cash flow. Just THREE BLOCKS from the heart of historic downtown Fernandina, this beautifully restored gem blends timeless craftsmanship with modern peace of mind: 2025 updates include a new roof, plumbing, electrical, HVAC, and refreshed interiors-plus your own private plunge pool for relaxing afternoons. Curb appeal shines with original milled wood siding and a classic front porch. Inside, Prairie-style stained glass fills the living space with dappled light, reflecting off rich heart pine floors and a hand-glazed tile hearth with oak surround. Ornate millwork-rosette blocks, fluted trim, and tall baseboards-echo the craftsmanship of a bygone era. Other upgrades we love: THOUGHTFULLY MODERNIZED baths featuring granite vanities, tiled showers, and vessel sinks, and ALSO an impressive kitchen, with a VIKING GAS COOKTOP, quartz counters, and custom Shaker cabinets. The fenced backyard is a lush sanctuary with producing fruit trees, a pool, and open-air cabana. Set on a quiet street just a short walk from downtown caf s, shops, live music, and Central Park's tennis, pickleball, and p tanque courts-with award-winning beaches just two miles away. Rare opportunity. Strong value. Don't miss it.
MLS# 112692, 2093204

Listed By CENTURY 21 Miller Elite

Property Features

  • Appliances
    Dishwasher, Dryer, Garbage Disposal, Microwave, Range / Oven, Refrigerator, Washer
  • Cooling
    Central A/C - Electric, Central A/C
  • Fencing
    Fenced Yard
  • Fireplace Description
    Electric
  • Garage Count
    1 Car Garage
  • Location
    Marina
  • Lot Size
    0.13 Acres
  • Pool Description
    Inground
  • Roof
    Metal Roof
  • Sewer
    Public
  • Style
    Other Style
  • Water
    Municipal Water

Home seller Meet the Agent,
Adele Suddes

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Adele Suddes

of CENTURY 21 Miller Elite

License: SL3436872
(904) 253-9760
Learn More About Me

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $0
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $0

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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