Cottage / Storybook home in Fernandina Beach, FL
A Cottage home in Fernandina Beach, FL, it offers 4 bedrooms and 2 bathrooms across 2,030 square feet. Its Cottage character defines the property's look.
| Price | $2,224,900 |
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| Beds | 4 |
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| Baths | 2 |
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| Sqft | 2030 |
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| Architectural style | Cottage / Storybook (39% match) |
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| Address | 735 Ocean Ave, Fernandina Beach, FL 32034 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced above comparable homes.
- At $2.2M, this home is 202% above the $737K median for 42 similar Cottage / Storybook homes in Amelia Island, FL.
- That works out to $1096 per square foot, 121% above the $497 comparable rate.
- On the market 137 days, which is a long time; sellers are often flexible at this point.
| This home | $2,224,900 |
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| Cottage / Storybook median in Amelia Island, FL | $737,000 (42 homes) |
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| Price per sq ft | $1,096 vs. $497 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $14,700/month with 20% down at a 7.28% 30-year fixed rate. You would need about $629,999 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $12,178/mo |
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| Property tax (new-buyer reassessed rate) | $1,687/mo |
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| Homeowners insurance | $834/mo |
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| Total monthly | $14,700/mo |
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| Down payment (20%) | $444,980 |
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| Income needed | $629,999/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B- (69 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B- (69/100) |
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| Beats renting in | 24% of modeled paths |
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| Modeled 5-yr equity (median) | $1,196,093 |
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| Range (10th to 90th pct) | $747,855 to $1,727,987 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward US where local data is thin.
Local home values
Typical home values in United States have risen about 20% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the national market, not this specific home.
View this home on Zillow