For sale Residential

Listed Sep 18, 2026

$1,050,000 Est. $6,945/mo

402 Beech Street

  • 3

    Beds

  • 3

    Baths

  • 1,798

    Sq ft

The story

Some dreams have a front porch. This one has a fireplace too. Built in 1891 and thoughtfully renovated down to the studs in 2020, this rare historic district treasure sits just two blocks from Centre Street - where brick-lined sidewalks lead to the city marina and the shimmering Amelia River beyond. The Atlantic beaches are a leisurely bike ride away. This is the Fernandina life you’ve been picturing. Step inside and the romance is immediate. Shiplap walls, natural pine wood ceilings, engineered wood plank floors, and a working fireplace with a rough-hewn cedar mantle whisper a century of character. Yet everything beneath that charm is newer - electrical, plumbing, HVAC, roof, spray foam insulation, most of the windows, majority of the exterior siding, kitchen, bathrooms, and fixtures. All of it replaced in 2020. The confidence of new construction, yet the soul of the home remains beautifully intact. Outside, a paver driveway and front walkway welcome you home. Black aluminum fencing frames the yard. And that front porch - quaint, unhurried, made for sweet tea and slow evenings - waits for you to make it yours. Some homes are simply houses. This one is a lifestyle, beautifully preserved and ready to be lived. Old Florida charm - thoroughly, thoughtfully rebuilt for modern living.

Facts & features

Home type

Residential

Year built

1891

Floors

2

Price per sq ft

$584

Included features

  • Fireplace

    Yes

  • Cooling

    Heat Pump

  • Heating

    Heat Pump

  • Appliances

    Some Gas Appliances, Dryer, Dishwasher, Microwave, Refrigerator, Stove, Washer

  • Roof

    Shingle

  • Exterior

    Fence, Irrigation Sprinklers

  • Water Source

    Community Coop

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$6,945 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $5,589
  • Property tax $1,050
  • Insurance $306

Includes principal, interest, taxes & insurance.

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Listing Broker

KELLER WILLIAMS REALTY / FB OFFICE

Broker Name

KELLER WILLIAMS REALTY / FB OFFICE

Agent

Keri Duffy

Location

Fernandina Beach FL 32034