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524 DIVISION Street, Fernandina Beach, FL 32034

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For Sale
Sale Pending

$454,900

3 beds • 2 baths • 1,202 sqft

Estimated Payment

$ 2,363 /mo. †

6.76% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $378.45
    Price per square foot

  • Over 50 Years Old
    Age

Explore this Property

Welcome to this fully remodeled 3-bedroom, 2-bathroom ranch-style home, where modern comfort meets timeless charm. Boasting too many new fixtures and features to list, this thoughtfully updated living space features a large open kitchen with brand-new Frigidaire stainless steel appliances, soft-close white shaker wood cabinets, and granite countertops. The spa-like main en-suite bathroom offers a tiled shower with dual rainfall showerheads, body jets, and a handheld sprayer pure luxury! The interior shines with fresh paint, new doors, waterproof LVP flooring, and brand new fixtures throughout. Outside, enjoy a private backyard with a new privacy fence, front porch, and back deck, plus a metal storage shed. Other upgrades include an HVAC system (2024), tankless water heater (2024), waterline plumbing (2024), and a metal roof (2020). Situated near three parks in a friendly neighborhood, with easy access to Historic Downtown, top-rated schools, and just a short drive to the beach, this home is ready to welcome you.
MLS# 2067788

Courtesy Of Exp Realty LLC

(888) 883-8509

Property Features

  • Age
    Over 50 Years Old
  • Amenities
    Porch
  • Appliances
    Cooktop, Cooktop - Electric, Dishwasher, Microwave, Refrigerator, Washer
  • Architecture Style
    Other
  • Exterior Type
    Wood Siding
  • Floor Covering
    Laminate, Vinyl
  • Heating System
    Central Furnace
  • Roof Type
    Metal

Map and Directions

Directions to 524 DIVISION Street, Fernandina Beach, FL 32034

Home seller CENTURY 21 Miller Elite

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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $2,363
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $2,363

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Southside Elementary School

Grades KG-2 Public School

Fernandina Beach, FL 32034 0.4 miles
1112 jasmine st

589 total students
15:1 Student teacher ratio

School Details

Emma Love Hardee Elementary School

Grades 3-5 Public School

Fernandina Beach, FL 32034 1.8 miles
2200 susan dr

553 total students
16:1 Student teacher ratio

School Rating: B+

School Details

Fernandina Beach Middle School

Grades 6-8 Public School

Fernandina Beach, FL 32034 0.7 miles
315 citrona dr

654 total students
16:1 Student teacher ratio

School Rating: B

School Details

Fernandina Beach High School

Grades 9-12 Public School

Fernandina Beach, FL 32034 0.6 miles
435 citrona dr

954 total students
19:1 Student teacher ratio

School Rating: B-

School Details
Other Nearby Schools Distance Type Grades School Rating
Contracted Residential Services 0.6 miles Public 9-11
Nassau Virtual Instruction Program (district Provided) 0.6 miles Public KG-6
Nassau Virtual Instruction Program 0.6 miles Public KG-9
Nassau Virtual Franchise 0.6 miles Public KG-12 D+
The Ogburn School Inc. 0.8 miles Private KG-12
St Michel Academy 0.9 miles Private PK-8
Faith Christian Academy 4.4 miles Private PK-12

Contracted Residential Services

Distance: 0.6 miles

Type Public

Grades: 9-11

Nassau Virtual Instruction Program (district Provided)

Distance: 0.6 miles

Type Public

Grades: KG-6

Nassau Virtual Instruction Program

Distance: 0.6 miles

Type Public

Grades: KG-9

Nassau Virtual Franchise

Distance: 0.6 miles

Type Public

Grades: KG-12

D+

The Ogburn School Inc.

Distance: 0.8 miles

Type Private

Grades: KG-12

St Michel Academy

Distance: 0.9 miles

Type Private

Grades: PK-8

Faith Christian Academy

Distance: 4.4 miles

Type Private

Grades: PK-12

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Fernandina Beach, FL 32034

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Fernandina Beach, FL 32034

This community’s employment is highest in the food and administrative support industries. The area’s overall household expenses are above the national average.

90° July
Hottest Average Month
45° January
Coldest Average Month
19,216 Total Households in Area
10.6% Increase in population since the year 2010
20.6%
of households
have children
24 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Fernandina Beach, FL 32034

Fernandina Beach, FL 32034 has a population of 42,430 people in 19,216 households with a median age of 53.1 years old.

10.6%
Increase in population
since the year 2010
Population is Trending up
17,024
Total households as of 2010
8.8%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 53.1 years old. The smallest percentage group is 65-74 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 85%
Hispanic 6%
Black 5%
Other 2%
Asian 1%
Native American <1%
The most prevalent ethnicity is White at 85%, followed by Hispanic at 6%, Black at 5%, and Other at 2%.

Economics
for Fernandina Beach, FL 32034

536 /sq mi
Population Density
$100,911 /yr
Median Household Income
$620,950
Median Sales Price
24 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is Over $200k representing 16.81% of the households.

Transportation to Work

  • Drive 86%
  • Work from Home 12%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 16,279 68%
Vacant 4,649 19%
Rented 2,937 12%

White vs Blue Collar Jobs







White Collar 81%
Blue Collar 19%

Family & Education Facts
for Fernandina Beach, FL 32034

53.1 Median Age

Average Household Size

2.2
persons per
household

57%

Married Households

Community Population By Education

Bachelors Degree 31%
High School Graduate 21%
Graduate Degree 19%
Some College 18%
Associates Degree 8%
Some High School 4%
Of the total people surveyed, the most prevalent educational attainment level is Bachelors Degree, representing 31.29% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
20.6% of households have children

Weather
for Fernandina Beach, FL 32034

The weather for this area ranges from a high of 90° F in July to a low of 45° F in January

90° July
Hottest Average Month
45° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
45°
64°
Feb
47°
66°
Mar
52°
71°
Apr
58°
77°
May
66°
83°
Jun
71°
88°
Jul
73°
90°
Aug
73°
89°
Sep
72°
86°
Oct
64°
79°
Nov
54°
72°
Dec
47°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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There's more to learn about Fernandina Beach, FL 32034!
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Copyright © 2025 Northeast Florida Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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