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991 Ocean Bluff Drive, Fernandina Beach, FL 32034

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For Sale

$1,099,000

4 beds • 2 baths • 2,097 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • 1994
    Year built

  • $524.08
    Price per square foot

  • 2 Car Garage
    Garage Count

Explore this Property

Welcome to coastal living in Ocean Sound. This stunning 4-bedroom, 2-bathroom home is just 3/10 of a mile to the beach, close enough to HEAR THE OCEAN WAVES, yet safely outside of the flood zone. With a single-level floorplan, and a perfect blend of comfort and style, this is the beachside home you've been dreaming of. Step inside to find a FULLY REMODELED KITCHEN AND BATHROOMS, gorgeous tile flooring, NEW WINDOWS THROUGHOUT, and upgraded lighting that brings warmth to every space. The neutral tones and abundant natural light enhance the open-concept layout, making this home feel bright, airy, and welcoming. Need a home office≠ The 4th bedroom offers a flexible space to work or sleep. Enjoy your morning coffee on the screened porch, then gather with friends on the patio for evening cookouts. The backyard has PLENTY OF ROOM FOR A POOL and has lots of PRIVACY with no neighbors behind you. Love seeing wildlife≠ Egan's Creek Greenway is out your back door. Located less than 2.5 miles to Historic Downtown Fernandina, you're minutes from charming shops, top-rated restaurants, and all the island lifestyle has to offer. Whether you're seeking a 2nd home or a full time residence, this home is more than a place to live, it's a lifestyle!
MLS# 112509, 2091781

Listed By CENTURY 21 Miller Elite

Property Features

  • Appliances
    Dishwasher, Microwave, Range / Oven, Refrigerator
  • Cooling
    Central A/C - Electric, Central A/C
  • Exterior
    Sprinkler System
  • Exterior Living Space
    Patio
  • Fencing
    Fenced Yard
  • Fireplace Description
    Electric
  • Garage Count
    2 Car Garage
  • Lot Size
    0.24 Acres
  • Sewer
    Public
  • Style
    Other Style
  • Water
    Municipal Water

Map and Directions

Directions to 991 Ocean Bluff Drive, Fernandina Beach, FL 32034

Home seller CENTURY 21 Miller Elite

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

CENTURY 21 Miller Elite

Marc Tingle
Tammy Tingle - Lic #: SL3493988

(904) 261-5571
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
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  • Property Taxes
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  • Hazard Insurance
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  • Private Mortgage Insurance
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  • HOA Dues
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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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