For sale Residential

Listed Oct 31, 2026

$1,629,000 Est. $10,774/mo

1122 San Fernando Street

  • 3

    Beds

  • 4

    Baths

  • 2,467

    Sq ft

The story

Salt Air & Southern Charm in Historic Old Town! Welcome to your coastal retreat on a corner double lot in the heart of Fernandina Beach’s Old Town. This custom-built home sits in a waterfront neighborhood where you can stroll to the public boat ramp, the marina, and the shoreline trails and history of Fort Clinch. Hop in your golf cart and cruise to downtown Fernandina for dinner, shopping, and sunset strolls, with plenty of room to park it at home. Main Home Wrap-around porches on both levels catch the breeze rolling in off Egans Creek and the Intracoastal Waterway, and the upstairs porch offers marina views to go with your morning coffee. Inside, the home blends luxury with easy coastal living: quartz countertops, plantation shutters, and upscale finishes throughout. There are two separate bedrooms, one downstairs and the primary suite upstairs, with an in-home elevator for effortless access. A separate office overlooks the porch and the marina beyond. After a beach day, rinse off in the outdoor shower. Guest Cottage & Garage The raised guest cottage can come fully furnished and features a large screened porch with a full-size bed swing, perfect for afternoon naps and visiting friends. A 3-car garage gives you space for the cars, the bikes, and the beach gear. Built to Last Peace of mind comes standard: metal roof, whole-home generator, tankless water heaters, Marvin windows, and Flood Zone X. Island living, historic charm, and water views at every turn. Come see it for yourself and start Postcard Living today!

Facts & features

Home type

Residential

Year built

2020

Floors

2

Price per sq ft

$660

Parking

3-car garage

Included features

  • Cooling

    Heat Pump

  • Heating

    Heat Pump

  • Appliances

    Dryer, Dishwasher, Refrigerator, Stove, Washer

  • Roof

    Metal

  • Exterior

    Fence, Irrigation Sprinklers

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$10,774 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $8,670
  • Property tax $1,629
  • Insurance $475

Includes principal, interest, taxes & insurance.

Your Property Journey

Interested in this, or something like it?

Submit an inquiry

Drop your details and we will help you find what you are looking for.

Not quite. Help me find the right one

Talk it through or type it out, whichever feels easiest.

Your contact details

An agent will reach out personally, no automated calls.

Smart Assistant

Hi, how can I help you find your dream home?

Tap the voice button to talk, or just start typing.

Tap anywhere to fix a word or add more

Tap stop when you’re done. You can edit the text before searching.

By submitting, you agree to our Privacy Policy and Terms.

Listing Broker

CABANA LANE, INC.

Broker Name

CABANA LANE, INC.

Agent

Dawn Hillman

Location

Fernandina Beach FL 32034