For sale Home

Listed Mar 5, 2026

$1,574,000 Est. $10,411/mo

1102 Ladies Street

  • 3

    Beds

  • 3

    Baths

  • 2,360

    Sq ft

The story

Built in 2019 on a rare 0.21-acre double lot in Historic Old Town, this custom residence offers a combination difficult to replicate: the architectural character of one of Fernandina Beach's most distinctive neighborhoods with the comfort and advantages of modern construction. Designed by Eric Moser and built by Jim Cartwright, the home was thoughtfully conceived to complement its historic surroundings while meeting today's expectations for quality and livability. Multiple porches invite relaxed mornings and effortless entertaining, while the fully fenced backyard, outdoor shower, space for a future pool, and dedicated parking for up to three vehicles create an unusually versatile setting for enjoying the coastal lifestyle. Heart pine floors, mahogany doors, a wood-burning fireplace, vintage lighting, a BlueStar range, a standing-seam metal roof, high-performance insulation, and PG-40 windows underscore the quality. The property has no HOA. Schedule your private showing today.

Facts & features

Home type

Home

Year built

2019

Floors

2

Price per sq ft

$667

Included features

  • Fireplace

    1 fireplace

  • Cooling

    Central Air, Electric

  • Heating

    Central, Electric

  • Appliances

    Dishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Refrigerator, Washer

  • Flooring

    Wood

  • Roof

    Metal

  • Lot Information

    Corner Lot, Few Trees, Historic Area, Irregular Lot

  • Exterior

    Balcony, Impact Windows, Outdoor Shower

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$10,411 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $8,377
  • Property tax $1,574
  • Insurance $459

Includes principal, interest, taxes & insurance.

Your Property Journey

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Listing Broker

AMELIA ISLAND REAL ESTATE SERVICES

Broker Name

AMELIA ISLAND REAL ESTATE SERVICES

Agent

TAMARA JONES