Cottage / Storybook home in Fernandina Beach, FL
This Cottage multifamily home in Fernandina Beach, FL offers 6 bedrooms and 5 bathrooms across 3,164 square feet. Its Cottage character defines the property's look.
| Price | $899,000 |
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| Beds | 6 |
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| Baths | 5 |
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| Sqft | 3164 |
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| Architectural style | Cottage / Storybook (51% match) |
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| Address | 337 N FLETCHER Avenue, 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 $899K, this home is 22% above the $737K median for 42 similar Cottage / Storybook homes in Amelia Island, FL.
- That works out to $284 per square foot, 43% below the $497 comparable rate.
- On the market 214 days, which is a long time; sellers are often flexible at this point.
| This home | $899,000 |
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| Cottage / Storybook median in Amelia Island, FL | $737,000 (42 homes) |
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| Price per sq ft | $284 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 $5,940/month with 20% down at a 7.28% 30-year fixed rate. You would need about $254,559 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $4,921/mo |
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| Property tax (new-buyer reassessed rate) | $682/mo |
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| Homeowners insurance | $337/mo |
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| Total monthly | $5,940/mo |
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| Down payment (20%) | $179,800 |
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| Income needed | $254,559/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 | 22% of modeled paths |
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| Modeled 5-yr equity (median) | $482,719 |
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| Range (10th to 90th pct) | $298,478 to $691,482 |
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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