home in Fernandina Beach, FL
A home in Fernandina Beach, FL, it offers 4 bedrooms and 6 bathrooms across 3,563 square feet. It sits within the greater Amelia Island, FL area.
| Price | $2,849,000 |
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| Beds | 4 |
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| Baths | 6 |
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| Sqft | 3563 |
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| Address | 511 Ash St, Fernandina Beach, FL 32034 |
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Why buy this home
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced above comparable homes.
- On the market 169 days, which is a long time; sellers are often flexible at this point.
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 $18,823/month with 20% down at a 7.28% 30-year fixed rate. You would need about $806,719 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $15,595/mo |
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| Property tax (new-buyer reassessed rate) | $2,160/mo |
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| Homeowners insurance | $1,068/mo |
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| Total monthly | $18,823/mo |
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| Down payment (20%) | $569,800 |
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| Income needed | $806,719/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- (68 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- (68/100) |
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| Beats renting in | 23% of modeled paths |
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| Modeled 5-yr equity (median) | $1,513,585 |
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| Range (10th to 90th pct) | $929,244 to $2,201,214 |
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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