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Street View
$535,000
Monthly Est:$2,663
3 Beds
- 3 Baths
2 full baths + 1 half bath
1,448sqft
523 S 13th Terrace, Fernandina Beach, FL 32034
$535,000
$2,663/moEst:
Get Pre-Approved
Single Family Residence
Built in 2023
$-- HOA
0.06 acre lot
$369/sq.ft
Description
When you can't decide between downtown and the beach, choose a home that puts you between both. Built in 2023, 523 S. 13th Terrace offers something increasingly difficult to find on Amelia Island: newer construction in an established in-town location with easy access to both historic downtown Fernandina Beach and Main Beach. Inside, vaulted ceilings and an open floor plan create a bright, airy feel, while the kitchen brings everyone together with quartz countertops, stainless steel appliances, generous cabinetry, and a spacious island. A dedicated office nook provides just enough separation for working from home without sacrificing an entire room. Upstairs, three bedrooms offer comfortable separation from the main living spaces, including a spacious primary suite designed as a quiet retreat at the end of the day. Outside, the fenced backyard and extended raised patio create room for morning coffee, weekend grilling, pets, or simply enjoying a Florida evening at home. A one-car garage a adds everyday convenience, while major systems dating to the home's 2023 construction offer the benefits of newer construction and a lower-maintenance lifestyle. But the location is what changes how you live here. Bike or golf cart toward Centre Street for coffee, dinner, shopping, the marina, and waterfront sunsets. Head the other direction when Main Beach is calling. Whether your perfect Amelia Island day begins downtown or ends with your toes in the sand, you're positioned to enjoy both. 523 S. 13th Terrace isn't about choosing between two of Fernandina Beach's best lifestyles. Here, you don't have to. Love Where You Live.
- Houzeo last checked: 9 minutes ago
- Listing updated: September 23, 2026 at 11:45 am
- Listing Provided by: ANGELA R HEITZER (678) 895-9586 | SUMMER HOUSE REALTY (904) 557-3020
- Source: Northeast Florida (realMLS) MLS-FL | MLS#: 2154960

Property Details
Status
Pending
Type
Single Family Residence
No. of Stories
2
County
City
Neighborhood
--
Year Built
2023
HOA Fees
-
Finished Area
1,448 sqft
Lot Size
0.06 acre lot
Basement Area
- sqft
MLS Name
Northeast Florida (realMLS) MLS
MLS Number
2154960
MLS Status
Pending
Days on Market
118

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Location
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 3
Bathrooms: 3
Interior
Cooling
Central Air, Electric
Sewer
Public Sewer
Flooring
Tile
Interior Features
Breakfast Bar, Ceiling Fan(s), Eat In Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom Shower No Tub, Walk In Closet(s)
Heating
Electric, Heat Pump
Appliances
Dishwasher, Electric Range, Microwave, Refrigerator
Construction
Year Built
Year Built: 2023
Home type
Single Family Residence
Architectural Style
Traditional
Construction Materials
Composition Siding, Frame
Roof
Shingle
Utilities & Energy
Utilities
Cable Available, Electricity Connected, Sewer Connected, Water Connected, Other
Laundry Features
Upper Level
Parking Features
Garage, Garage Door Opener
Water Source
Public
Other Features
Subdivision Name
City Of Fernandina Beach
Patio And Porch Features
Rear Porch
Price History
| Date | Event | Price |
|---|---|---|
09/16/2026 Source: | Pending | $535,000 -1.82% $369/sqft |
08/13/2026 Source: | Price Decreased | $544,900 -0.91% $376/sqft |
07/11/2026 Source: | Price Decreased | $549,900 -1.79% $380/sqft |
11/10/2025 Source: | Price Increased | $559,900 +2.75% $387/sqft |
08/29/2025 Source: | Listed for Sale | $544,900 -3.54% $376/sqft |
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Based on information from Houzeo, which participates in the Northeast Florida Multiple Listing Service, Inc. data exchange program, allowing us to display other brokers’ listings on our site. through Nov 06, 2026, 05:00PM. Information deemed reliable but not guaranteed. The broker providing this data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase or lease decision. The listing broker has attempted to offer accurate data, but buyers/lessees are advised to confirm all information. IDX information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and The data is deemed reliable but is not guaranteed accurate by NEFMLS. NEFMLS may, at its discretion, require the use of other disclaimers as necessary to protect Participants and/or NEFMLS from liability. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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