1016 Cedar St, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 1016 Cedar St, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,458 sqft · built 2007
Lot Size	0.223 acres (9,733 sqft)
Owner	Individual Name on Record
Last Sale	$15,000 (Sep 2006)
Tax Bill	$4,908 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-00-31-1800-0131-0080`

Property Details

APN / Parcel Number

Primary APN	`00-00-31-1800-0131-0080`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,458 sqft Living Area
Gross Area	4,878 sqft
1st Floor Area	2,958 sqft
Upper Floors Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,733 sqft (0.223 acres)
Lot Dimensions	10 ft deep x 10 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1016 CEDAR ST
City	FERNANDINA BEACH
State	FL
Zip	32034-3659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	BLOCK 131 LOT 8 IN OR 1319/1271-1274 & OR 1444/1846-1849 & OR 1444/1850 & OR 1459/3-8 & OR 1459/1 & OR 1444/1856 & OR 1444/1858 & OR 1441/930 CASE #45-CP-79-05 CITY OF FDNA BEACH
Legal Range	28E
Legal Township	03N
Legal Section	23
Legal Subdivision	CITY OF FDNA BEACH
Legal Block	131
Legal Lot Number	8
Jurisdiction	NASSAU FL
Township / Civil Division	FERNANDINA BEACH
Census Block Group	2
Census Block	2009
Census Tract	50103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fernandina Beach Historic District (Boundary Increase) listed 1987 · 174 contributing resources · NRIS 87000195

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Nassau County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1016 CEDAR ST, FERNANDINA BEACH, FL 32034-3659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2006 · Amount on Record
Deed Sale	Sep 18, 2006 · Amount on Record
Deed Document Number	200635625
Deed Book / Page	1444 / 1845
Last Transfer Date	Oct 30, 2006
Transfer Doc	0014590003
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	1016 CEDAR ST, FERNANDINA BEACH, FL 32034-3659
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025150857
Date	Nov 19, 2021
Book Page	2515/857
Instrument	202145043206

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Municipality	Fernandina Beach City
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,908.00 (+1.57%) Homeowner's exemption	$314,220 (+2.9%)	$763,935 (+10.32%) Land $270,000 Building $493,935
2024	$4,832.00 (+0.81%) Homeowner's exemption	$305,364 (+3%)	$692,503 (+6.2%) Land $220,000 Building $472,503
2023	$4,793.00 (+6.3%) Homeowner's exemption	$296,470 (+3%)	$652,051 (+7.32%) Land $200,000 Building $452,051
2022	$4,509.00 Homeowner's exemption	$287,835	$607,594 Land $160,000 Building $447,594

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNANDINA BEACH WTP serves 21,925 people · EPA ID FL2450364
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20