For sale Residential

Listed Oct 23, 2026

$649,900 Est. $4,298/mo

1016 1022 North 14th Street

  • 3

    Beds

  • 2

    Baths

  • 1,340

    Sq ft

The story

A Home with Room for More — Now Offered with the Adjacent Lot! Discover a unique opportunity in Fernandina Beach with this thoughtfully designed, newer-construction home offered together with the adjacent vacant lot for a combined price of $649,900. Featuring 3 bedrooms, 2 bathrooms, and approximately 1,340 square feet of living space, the home pairs modern comfort with the added flexibility of an additional parcel right next door. Built in 2023 by Affinity Homes, the residence offers the appeal of newer construction, including Hardie board siding, 9-foot ceilings, and a welcoming layout designed for everyday living. An encapsulated crawlspace, composite decking, and other notable features add to the property’s appeal. What truly sets this offering apart is the opportunity to purchase the home and neighboring lot together. Whether you envision enjoying additional outdoor space, creating a little more breathing room, or exploring the possibilities the extra parcel may offer, this combined property presents an opportunity that is increasingly difficult to find. Prefer to purchase separately? The home is also available individually for $525,000, and the adjacent vacant lot is offered separately for $157,000. If you’ve been searching for a move-in-ready home with something extra, this is your chance to own more than just a house. Enjoy the comfort of a newer home and the potential that comes with having additional land next door, all in one compelling offering. Two parcels. One opportunity. $649,900.

Facts & features

Home type

Residential

Year built

2023

Floors

1

Price per sq ft

$485

Included features

  • Cooling

    Central Air, Electric

  • Heating

    Central, Electric

  • Appliances

    Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Stove, Washer, Ice Maker

  • Roof

    Shingle

  • Exterior

    Fence

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$4,298 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $3,459
  • Property tax $650
  • Insurance $190

Includes principal, interest, taxes & insurance.

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Listing Broker

CENTURY 21 MILLER ELITE

Broker Name

CENTURY 21 MILLER ELITE

Agent

Charlie Stephens

Location

Fernandina Beach FL 32034