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409 S 4TH Street, Fernandina Beach, FL, 32034 | $495,000
Ideally located in the heart of Amelia Island's historic Fernandina Beach, this charming coastal cottage is the perfect retreat—whether you're looking for a vacation escape, a starter home, or a cozy place to enjoy your golden years. Step inside to an open-concept living area, where vaulted ceilings and ample natural light create an inviting, airy space that mirrors the home's coastal charm. The modern kitchen is a highlight, featuring stainless steel appliances, sleek granite countertops, and crisp white cabinetry that seamlessly blend style and function. With gorgeous tile and wood flooring throughout, the home's coastal aesthetic shines, and a convenient laundry room adds ease to your daily routine. Outside, a private backyard oasis awaits. The spacious back patio, complete with a grilling area, is ideal for soaking up the Florida sunshine and hosting gatherings with family and friends. There's ample room to add a pool or a mother-in-law suite, surrounded by lush tropical landscaping that completes this island paradise. Enjoy a morning coffee on the front patio as you embrace the laid-back island lifestyle, or unwind in the fenced backyard sitting area. Just a short walk, bike ride, or golf cart trip will take you to vibrant local eateries, unique shops, the marina, and the pristine beaches. For sports enthusiasts, Amelia Island offers countless activities, from tennis and pickleball to kayaking, biking, and golf at nearby top-rated courses. Move-in ready, this coastal cottage is waiting for you to make it your own. Don't miss your chance to live the Amelia Island dreamschedule a tour today!
Features
- Rooms: 7
- Bedrooms: 2
- Baths: 1 full
- Lot Size: 50 x 100
- Style: Cottage
- Year Built: 1956
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 952
- Acreage: 0.11
- Lot Size: 50 x 100
- Appliances: Dishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
- MLS#: 2056539
- Days on Market: 0 day
- Website: https://www.raveis.com
/prop/2056539/409s4thstreet_fernandinabeach_fl?source=qrflyer
Listing courtesy of ENGEL & VOLKERS FIRST COAST
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
409 S 4TH Street, Fernandina Beach, FL, 32034
$495,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $396,000 | $396,000 | $396,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,701 | $2,632 | $3,340 |
| Total Monthly Payment | $2,776 | $2,707 | $3,415 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388