Please reload the page to update with the latest MLS information available.

Please reload the page to update with the latest MLS information available.

Please reload the page to update with the latest MLS information available.

Reload
 
Listing provided courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA- MLS# 114368MLS Provider

520 DIVISION StreetFernandina Beach, FL 32034

Single Family · 2 Beds · 2 Full Baths · 1,045 Sq. ft. | 0.11 Acres
$415,000 Active

520 DIVISION Street Overview

Time on Site:
171 days
Visits:
6

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.

Virtual Tour
Love this property?
Create a profile so you can receive updates on this property as soon as they happen!
View Map

520 DIVISION Street Facts & Features

  • Type Single Family
  • Sq. ft. 1,045
  • Price/Sq.ft. $397
  • Lot 0.11 Acres

Details

General

Association/HOA

  • Association: false

Building Information

  • Builder Name: Coastal Contractors
  • New Construction: true
  • Year Built: 2025

Location/Region

  • County Or Parish: Nassau
  • MLS Area Major: Ar 1 Island
  • Postal City: Fernandina Beach

General Information

  • Listing Terms: Cash,Conventional,FHA,VA Loan
  • Parcel Number: 00-00-31-1800-0215-06A1
  • Property Condition: New Construction
  • Property Sub Type: Residential
  • Property Type: Residential
  • Special Listing Conditions: None
  • Zoning: R-2

Interior

Beds/Baths

  • Bathrooms Full: 2
  • Bathrooms Total: 2
  • Bedrooms Total: 2

Building Interior

  • Building Area Source: Plans
  • Building Area Total: 1045.0

General Information

  • Appliances: Dishwasher,Disposal,Microwave,Refrigerator,Stove
  • Interior Features: Ceiling Fan(s),Vaulted Ceiling(s)
  • Levels: One
  • Living Area: 1045.0
  • Living Area Source: Plans
  • Rooms Total: 0
  • Stories: 1
  • Window Features: Insulated Windows,Vinyl

Exterior

Parking Information

  • Parking Features: Driveway

Lot Information

  • Lot Size Acres: 0.1148
  • Lot Size Area: 0.1148
  • Lot Size Dimensions: 100x50
  • Lot Size Units: Acres
  • Road Responsibility: Public Maintained Road
  • Road Surface Type: Paved
  • Water Source: Public

Building Exterior/Construction

  • Architectural Style: One Story
  • Construction Materials: Fiber Cement,Frame
  • Roof: Shingle

General Information

  • Pool Features: None
  • Sewer: Public Sewer

520 DIVISION Street Neighborhood

Community

32034 (Fernandina Beach) Demographics

54
Median Age
536
Population Density (per sq. mile)
55%
College Educated
$85,854
Estimated Median Income
13,404
Estimated Total Home Owners
2,887
Estimated Total Renters
82% / 18%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

520 DIVISION Street Monthly Cost

$
$ %
%
$
$
* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

520 DIVISION Street Market Data

Based on the last 30 days in this zip code

$979,770
Average List Price
$442
Average Price per Square Foot
132
Properties Sold
118
Average Days on Market
925
Properties for Sale
Calculations provided by Reliance Network

520 DIVISION Street History

Date Event Value Agent
5/28/2026Source: Amelia Nassau MLS Price Reduction
$415,000 -5.5%
3/11/2026Source: Amelia Nassau MLS Price Reduction
$439,000 -4.5%
2/25/2026Source: Amelia Nassau MLS Price Reduction
$459,657 -1.0%
2/6/2026Source: Amelia Nassau MLS Price Reduction
$464,300 -1.0%
12/17/2025Source: Amelia Nassau MLS Added to Database
December 17, 2025