Summary of 523 S 13th Terrace, Fernandina Beach - MLS# 2154960
523 S 13th Terrace (zip: 32034), MLS# 2154960 is located in the City Of Fernandina Beach neighborhood of Fernandina Beach, FL. This Residential home is 1,448 sq. ft., with 3 bedrooms and 3 bathrooms, along with 1 garages.
This property was constructed in 2023 and has been on the market for 5 days.
The property is currently listed at $535,000 and recently experienced a price decrease of $9,900 on September 16, 2026.
Description of 523 S 13th Terrace, Fernandina Beach - MLS# 2154960
When you can't decide between downtown and the beach, choose a home that puts you between both. Built in 2023, 523 S. 13th Terrace offers something increasingly difficult to find on Amelia Island: newer construction in an established in-town location with easy access to both historic downtown Fernandina Beach and Main Beach. Inside, vaulted ceilings and an open floor plan create a bright, airy feel, while the kitchen brings everyone together with quartz countertops, stainless steel appliances, generous cabinetry, and a spacious island. A dedicated office nook provides just enough separation for working from home without sacrificing an entire room. Upstairs, three bedrooms offer comfortable separation from the main living spaces, including a spacious primary suite designed as a quiet retreat at the end of the day. Outside, the fenced backyard and extended raised patio create room for morning coffee, weekend grilling, pets, or simply enjoying a Florida evening at home. A one-car garage a adds everyday convenience, while major systems dating to the home's 2023 construction offer the benefits of newer construction and a lower-maintenance lifestyle. But the location is what changes how you live here. Bike or golf cart toward Centre Street for coffee, dinner, shopping, the marina, and waterfront sunsets. Head the other direction when Main Beach is calling. Whether your perfect Amelia Island day begins downtown or ends with your toes in the sand, you're positioned to enjoy both. 523 S. 13th Terrace isn't about choosing between two of Fernandina Beach's best lifestyles. Here, you don't have to. Love Where You Live.
Features of 523 S 13th Terrace
| MLS® # | 2154960 |
|---|---|
| Price | $535,000 |
| Bedrooms | 3 |
| Bathrooms | 3.00 |
| Full Baths | 2 |
| Half Baths | 1 |
| Square Footage | 1,448 |
| Acres | 0.06 |
| Year Built | 2023 |
| Type | Residential |
| Sub-Type | Single Family Residence |
| Style | Traditional |
| Status | Pending |
Community Information : Fernandina Beach
| Address | 523 S 13th Terrace |
|---|---|
| Area | 410-Fernandina Beach Downtown-West |
| Subdivision | City Of Fernandina Beach |
| City | Fernandina Beach |
| County | Nassau |
| State | FL |
| Zip Code | 32034 |
Amenities of 523 S 13th Terrace
| Utilities | Cable Available, Electricity Connected, Sewer Connected, Water Connected, Other |
|---|---|
| Parking | Garage, Garage Door Opener |
| # of Garages | 1 |
| Is Waterfront | No |
| Has Pool | No |
Interior of 523 S 13th Terrace
| Interior Features | Breakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s) |
|---|---|
| Appliances | Dishwasher, Electric Range, Microwave, Refrigerator |
| Heating | Electric, Heat Pump |
| Cooling | Central Air, Electric |
| Fireplace | No |
| # of Stories | 2 |
Exterior of 523 S 13th Terrace
| Roof | Shingle |
|---|---|
| Construction | Composition Siding, Frame |
Additional Information On 523 S 13th Terrace
| Date Listed | July 11th, 2026 |
|---|---|
| Days on Market | 94 |
| RE / Bank Owned | No |
| Age Restriction | No |
| New Construction | No |
Listing Details of 523 S 13th Terrace
| Office | SUMMER HOUSE REALTY |
|---|
Listing Map of 523 S 13th Terrace
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523 S 13th Terrace Fernandina Beach FL 32034 - MLS# 2154960