$544,900

523 S 13TH Terrace, Fernandina Beach, FL 32034

3 beds |
3 baths |
1,448 sqft

Single-Family Home
Built in 2023
2,614sqft lot
1 car garage
$376/sqft
Listed 5 months ago

Property Description

Fresh, refined, and effortlessly coastal, this 2023-built home at 523 S. 13th Terrace offers modern island living just minutes from downtown Fernandina Beach. Designed with soaring vaulted ceilings, abundant natural light, and elevated designer finishes, the open-concept layout flows beautifully from a chef-inspired kitchen with quartz countertops, stainless appliances, and a statement island into inviting living and dining spaces made for entertaining. Upstairs, spacious bedrooms with walk-in closets provide comfort and privacy, while the serene primary suite lives like a true retreat. All major systems are new as of 2023, offering energy efficiency, modern construction standards, and the low-maintenance lifestyle today's buyers value most. Step outside to a raised patio and fenced backyard, creating the perfect setting for morning coffee, evening gatherings, or quiet nights under the stars. A one-car garage and manageable lot size make everyday living easy and convenient. Whether you're biking to the waterfront, exploring the boutiques and restaurants of Centre Street, or heading to the beaches of Amelia Island for sunset, this location makes daily life feel like a getaway. Ideal as a primary residence, second home, or investment opportunity, this move-in ready property delivers style, simplicity, and the unmistakable charm of coastal living all within one of Fernandina Beach's most desirable in-town settings. Are you ready to LOVE WHERE YOU LIVE?

Listing Status:: Active
Date Added:: August 29, 2025
Data Last Updated:: February 9, 2026 at 4:38PM
Listing Office:: SUMMER HOUSE REALTY : 904-557-3020
Listing Agent:: ANGELA R HEITZER : 678-895-9586
MLS ID:: 2106370

General: Breakfast BarCeiling Fan(s)Open FloorplanWalk-In Closet(s)Primary Bathroom - Shower No Tub
Appliances: Double OvenDishwasherElectric CooktopElectric Water HeaterMicrowaveRefrigerator
Laundry: Electric Dryer HookupUpper LevelWasher Hookup
Flooring: Laminate
A/C: Central AirElectric
Heating:

Style: Traditional

Roofing: Shingle
General: FrameComposition Siding2

Road/Access: City Street
Originating MLS: realMLS (Northeast Florida Multiple Listing Service)
County: Nassau

Zoning: 000031180002410380
Current Use: Residential

Utilities: Electricity ConnectedSewer ConnectedWater Connected
Water: Public
Sewer: Public Sewer

Source: realMLS (Northeast Florida Multiple Listing Service)

Presented by Veterans United Realty

This listing courtesy of ANGELA R HEITZER , SUMMER HOUSE REALTY

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

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Location

Schools Nearby

Southside Elementary School

1112 Jasmine St, Fernandina Beach, FL, 32034

Grades KG-2

0.44 miles away

Fernandina Beach Middle School

315 Citrona Dr, Fernandina Beach, FL, 32034

Grades 6-8

0.51 miles away

Fernandina Beach High School

435 Citrona Dr, Fernandina Beach, FL, 32034

Grades 9-12

0.44 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.