520 Division St

Fernandina Beach, FL 32034

$469,000
Price
2
Beds
1,045 Sq. Ft.
$449 / Sq. Ft.
1,045
Sq. Ft.
$449
per Sq. Ft.
a view of a house with a yard
a front view of a house with a yard
a front view of a house with a yard
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a view of a house with backyard and garden
an empty room with wooden floor ceiling fan and windows
an empty room with wooden floor ceiling fan and windows
a kitchen with kitchen island a stove a sink and a refrigerator with wooden floor
a view of a kitchen with a sink and a refrigerator
a kitchen with kitchen island a sink stainless steel appliances and cabinets
a large white kitchen with kitchen island a sink dishwasher a stove and a dining table with wooden floor
a kitchen with stainless steel appliances granite countertop a sink dishwasher and a stove with wooden floor
a kitchen with a sink stove and cabinets
a kitchen with stainless steel appliances granite countertop a stove and a refrigerator
a kitchen with a sink and a window
a kitchen that has a lot of cabinets in it
a kitchen with a stove and white cabinets
wooden floor in an empty room with a window
a view of an empty room with wooden floor and a window
an empty room with wooden floor and ceiling fan
wooden floor in an empty room
an empty room with wooden floor and bathroom
a bathroom with a granite countertop sink a toilet and a mirror
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an empty room with wooden floor and windows
an empty room with wooden floor and windows
a bathroom with a sink a toilet and a bathtub
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a view of a house with a yard
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Description

Welcome to this brand-new 2 bedroom, 2 bath island bungalow ideally located in the heart of Fernandina. Designed with style and efficiency in mind, this new construction single story home features 9’ ceilings, wood style luxury vinyl plank flooring throughout, and a vaulted living area that creates a bright, open, and inviting living space. Coastal charm meets modern luxury with the stylish kitchen featuring shaker-style cabinetry, quartzite countertops, and Samsung appliances with a convenient under-counter...Welcome to this brand-new 2 bedroom, 2 bath island bungalow ideally located in the heart of Fernandina. Designed with style and efficiency in mind, this new construction single story home features 9’ ceilings, wood style luxury vinyl plank flooring throughout, and a vaulted living area that creates a bright, open, and inviting living space. Coastal charm meets modern luxury with the stylish kitchen featuring shaker-style cabinetry, quartzite countertops, and Samsung appliances with a convenient under-counter microwave - perfect for both everyday living and entertaining. The home is further enhanced by 2-panel Craftsman-style interior doors and thoughtfully selected designer lighting and ceiling fans. The primary suite offers a spa-inspired zero-entry walk-in shower with tile surrounds, elevated finishes, a tray ceiling, and a generous custom closet. A second bedroom complements the efficient floor plan, while a dedicated laundry room and side entry add convenience. Both bathrooms showcase design tile flooring, wainscoting accents, and upscale details. Built for comfort and efficiency with spray foam insulation and an on-demand electric tankless water heater. The paver driveway and partially fenced yard provide easy outdoor living, with ample space to add a 20’ x 30’ ADU/Garage with separate living space or studio! This move-in-ready island home delivers modern comfort with a relaxed coastal lifestyle. Just a short bike ride to the riverfront, shopping and eclectic restaurants of historic Fernandina Beach and less than 2 miles to the ocean! Close to Fernandina Beach "A" Rated Nassau County Schools, healthcare, and more.
  1. Listed by Dave Hewett • IRON VALLEY REAL ESTATE NORTH FLORIDA
  2. Listed by Jen Tucker • IRON VALLEY REAL ESTATE NORTH FLORIDA

Property Details for 520 Division Street

Architectural Style
OneStory
Parking Features
Driveway
Zoning
R-2
LISTING UPDATED: 12/18/2025 01:53 AM

Property Details for 520 Division Street

StatusActive
MLS #114368
Days on Market17
Taxes-
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Residential
Year Built2025
Lot Size0.11 AC / 5,000 SF
CountyNassau County

Location

Listing Courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA
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Building Information for 520 Division Street

Stories1Year Built2025Building Size-Lot Size0.11 AC / 5,000 SF

Payment Calculator

$2,317 per month

30 year fixed, 6.28% Interest

Principal and Interest

$2,317

Property Taxes

$0

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 520 Division Street

Summary
Location and General Information
  • City: Fernandina Beach
  • County Or Parish: Nassau
  • Location: ,
  • Directions: 8th st. turn tight on Beech st. and the right on Division. The subject property will be on the left side.
  • Road Surface Type: Paved
  • Postal Code: 32034
  • Latitude: 30.663378
  • Longitude: -81.456444
  • State Or Province: FL
  • Road Responsibility: PublicMaintainedRoad
  • MLS Area Major: Ar 1 Island
Taxes and HOA Information
  • Parcel Number: 00-00-31-1800-0215-06A1
  • Association: No
  • Tax Legal Description: BLK 215 N 28 FT OF TRACT A OF LOT 6 & S 22 FT OF TRACT B OF LOT 7 IN OR 916/314
Property
Lot Information
  • Building Area Source: Plans
  • Building Area Total: 1045.0
  • Lot Size Acres: 0.1148
  • Lot Size Area: 0.1148
  • Lot Size Dimensions: 100x50
  • Lot Size Units: Acres
  • Living Area: 1045.0
  • Living Area Source: Plans
Property and Assessments
  • Builder Name: Coastal Contractors
  • Year Built: 2025
  • New Construction: Yes
  • Property Condition: NewConstruction
  • Human Modified: Yes
Utilities
  • Sewer: PublicSewer
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: FiberCement, Frame
  • Roof: Shingle
Interior Features
  • Levels: One
  • Stories: 1
  • Bathrooms Full: 2
  • Bathrooms Total: 2
  • Bedrooms Total: 2
  • Rooms Total: 0
  • Cooling: Yes
  • Cooling: HeatPump
  • Heating: Yes
  • Heating: HeatPump
  • Appliances: Dishwasher, Disposal, Microwave, Refrigerator, Stove
  • Interior Features: CeilingFans, VaultedCeilings
  • Window Features: InsulatedWindows, Vinyl
Rental
Rental Information
  • Occupant Type: Vacant

Property History for 520 Division Street

DateEvent & SourcePriceAppreciation
Dec 17, 2025

Listed (Active)

Amelia Island Nassau County Association of REALTORS #114368

$469,000—
DateEvent & SourcePrice
12/17/2025

Listed (Active)

Amelia Island Nassau County Association of REALTORS #114368

$469,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Schools near 520 Division Street

This home is within Nassau.
Rating
School
Type
Grades
Distance
Southside Elementary School
Public - PK to 2
Emma Love Hardee Elementary School
Public - 3 to 5
Fernandina Beach High School
Public - 3 to 12
Fernandina Beach Middle School
Public - 6 to 8
Rating
School
Distance
Southside Elementary School
PublicPK to 2

Emma Love Hardee Elementary School
Public3 to 5

Fernandina Beach High School
Public3 to 12

Fernandina Beach Middle School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 520 Division Street, Fernandina Beach, FL 32034

520 Division Street is a single family home for sale in Fernandina Beach, FL 32034. This property was listed for sale on December 17, 2025 by IRON VALLEY REAL ESTATE NORTH FLORIDA, it's currently listed at $469,000. This listing's school district is Nassau. Nearby schools include Southside Elementary School, Emma Love Hardee Elementary School and Fernandina Beach High School. 520 Division Street is a 2-bed, 2-bath, 1,045 sqft single family home built in 2025.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA

Based on information from one of the following Multiple Listing Services: Pensacola Association of REALTORS®, Amelia Island Nassau County Association of REALTORS and NEFMLS. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by Pensacola Association of REALTORS®, Amelia Island Nassau County Association of REALTORS and NEFMLS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.