14 N 4th StreetFernandina Beach, FL 32034Price: $1,600,000

  • Price: $1,600,000
  • Est. Mortgage of $/month
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%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $1,600,000List Price
  • 3Bedrooms
  • 3Full Bath
  • 3,078Square Feet
LIVE, WORK, PLAY! Gorgeous, pristine home in the heart of Historic Downtown Fernandina Beach just a half block from Centre Street. Enjoy the ultimate downtown lifestyle in this upscale two-story residence with rare two-car garage, elevator, and income-producing shop below. Built in 1947 & expanded in 2009 by John Cotner, this unique property blends historic charm with modern luxury. The open-concept floor plan features a spacious kitchen, dining, & living area that flows to the covered balcony with summer kitchen-perfect for entertaining or relaxing above the vibrant downtown scene. Quality craftsmanship is evident throughout with hickory hardwood floors, 8-foot solid wood doors, cherry cabinetry, smooth ceilings, quartzite countertops, brick accents reclaimed from the historic Amelia Tavern building, recessed lighting on dimmers, and a chef's kitchen featuring a gas cooktop with hood, double ovens, and an extra-deep 34-cubic-foot refrigerator. Additional upgrades include a Rinnai tankless water heater, Ultra-Aire dehumidification system, heated and cooled storage room, and metal roof. The spacious primary suite offers a luxurious bath, two closets, and a convenient laundry room. Large guest bedrooms & beautifully appointed bathrooms provide comfort for family and visitors. A separate front entrance serves the 532-square-foot retail shop, while the private residential entrance is located on the side. The shop is leased through July 31, 2028, providing rental income to help offset ownership costs. Please do not disturb the tenant! Whether you're looking for a full-time residence, lock-and-leave retreat, or a unique live-work opportunity, properties like this rarely become available in downtown Fernandina Beach!

Property Details of 14 N 4th Street

Property Details

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Carey Dresser of BERKSHIRE HATHAWAY HomeServices HWREI

 "Based on information submitted to Amelia Island - Nassau County Association of Realtors as of June 20, 2026 2:33 PM UTC. All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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