511 Ash StreetFernandina Beach, FL 32034Price: $2,849,000

  • Price: $2,849,000
  • Est. Mortgage of $/month
$
$
%
$/month over payments
Federal 30-year interest rate: 6.76% last updated on Sep 10, 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.
  • $2,849,000List Price
  • 4Bedrooms
  • 5Full Bath
  • 3,563Square Feet
511 ASH STREET | DOWNTOWN FERNANDINA BEACH | DOUBLE-LOT PROPERTY Two lots, two residences, and a level of space rarely available in the heart of downtown Fernandina Beach. Set on the historic News-Leader homesite, this 12,500-square-foot property offers a main residence, detached cottage, oversized garage, and expansive outdoor living, all just moments from shops, restaurants, and the waterfront. Built in 2021, the main home spans more than 3,000 square feet with 3 bedrooms, 4.5 bathrooms, and flexible bonus space. Engineered oak flooring, 1x10 wood walls, coffered ceilings, Andersen insulated windows, a standing-seam metal roof, and 3-zone HVAC reflect the quality throughout. The kitchen features Sub-Zero and Wolf appliances, dual Bosch dishwashers, and a large butler's pantry, while two Isokern fireplaces add warmth and architectural character. The main-level primary suite provides exceptional privacy with its own sitting room, private porch, generous walk-in closets, spacious bath, and outdoor shower. Upstairs are two ensuite bedrooms, a gallery, additional flex space, and another full bath. Southern Living-style porches with gas lanterns and composite tongue-and-groove decking extend the living space outdoors. Completed in 2023, the detached 1-bedroom, 1-bath cottage includes cathedral ceilings, a full kitchen, laundry, fireplace, private porch with retractable awning, and dedicated paver parking. The oversized 2-car garage includes walk-up storage, and the double lot provides room for a future pool, with the cottage positioned to serve as a pool house or private guest retreat. For buyers searching for luxury downtown Fernandina Beach real estate, 511 Ash Street stands in a category of its own.

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.76% last updated on Sep 10, 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 Jenny Schaffer of SUMMER HOUSE REALTY

 "Based on information submitted to Amelia Island - Nassau County Association of Realtors as of September 15, 2026 10:33 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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