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402 Beech St, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 402 Beech St, Fernandina Beach, FL 32034

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,798 sqft · built 1900
Lot Size0.114 acres (5,000 sqft)
OwnerIndividual Name on Record
Last Sale$980,000 (Jun 2023)
Tax Bill$14,188 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
Sep 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (moderate risk)
APN00-00-31-1800-0026-0010

Property Details

APN / Parcel Number

Primary APN00-00-31-1800-0026-0010

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,798 sqft Heated Area
Gross Area2,101 sqft
1st Floor Area1,798 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 2020
Exterior MaterialOther
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,000 sqft (0.114 acres)
Lot Dimensions100 ft deep x 50 ft wide
PorchOpen Porch
Porch Area182 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address402 BEECH ST
CityFERNANDINA BEACH
StateFL
Zip32034-4245
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2
Legal DescriptionBLOCK 26 LOT 1 EX ESMT PT OR 1899/305 CITY OF FDNA BEACH
Legal Range28E
Legal Township03N
Legal Section23
Legal SubdivisionCITY OF FDNA BEACH
Legal Block26
Legal Lot Number1
JurisdictionNASSAU FL
Township / Civil DivisionFERNANDINA BEACH
Census Block Group3
Census Block3020
Census Tract50103

Historic Designation

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

Historic DistrictWithin 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 January 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address821 COPPERHEAD CIR, ST AUGUSTINE, FL 32092-2753
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2023Warranty Deed, Transfer · Conventional Mortgage
LENDSURE MORTGAGE CORP
Sep 14, 2022Warranty Deed, Transfer · Conventional Mortgage
NOVA FINANCIAL & INVESTMENT CORP
May 16, 2022Quit Claim Deed, Transfer
Quitclaim
Sep 1, 2020Warranty Deed, Transfer
ATTORNEY ONLY
Aug 28, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 23, 2023 · Amount on Record
Deed SaleJun 23, 2023 · Amount on Record
Prior SaleSep 14, 2022 · Amount on Record
Deed Document Number202345019029
Deed Book / Page2649 / 1123
Record UpdatedJun 8, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateJun 23, 2023
Property Address402 BEECH ST, FERNANDINA BEACH, FL 32034-4245
Document Number0026491123
Book / Page2649 / 1123
Instrument DateJun 13, 2023
Instrument202345019029
Transaction TypeTransfer
Record UpdatedJul 7, 2023
Title CompanyTITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,860.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address272 PINE RIDGE DR, BAYFIELD, CO 81122-9203

Transferred To (Grantee/Buyer)

NameVerified Name
Address821 COPPERHEAD CIR, ST AUGUSTINE, FL 32092-2753

Mortgage

Document Number0026491125
DateJun 23, 2023
Instrument2649/1125
Lender
NameLENDSURE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term481 Months
DueJul 1, 2063

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateSep 14, 2022
Property Address402 BEECH ST, FERNANDINA BEACH, FL 32034-4245
Document Number0025900754
Book / Page2590 / 754
Instrument DateSep 9, 2022
Instrument202245031703
Transaction TypeTransfer
Record UpdatedSep 30, 2022
Title CompanyTITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,440.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address603 S FLETCHER AVE, 603, FERNANDINA, FL 32034-2227

Transferred To (Grantee/Buyer)

NameVerified Name
Address272 PINE RIDGE DR, BAYFIELD, CO 81122-9203

Mortgage

Document Number0002590757
DateSep 14, 2022
Instrument2590/757
Lender
NameNOVA FINANCIAL & INVESTMENT CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2052
Interest
Rate TypeAdjustable Rate
Rate5.87%
Type Change DateOct 1, 2029
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.8%
IndexOther
Max Rate10.8%

May 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNASSAU FL
Recording DateMay 16, 2022
Property Address402 BEECH ST, FERNANDINA BEACH, FL 32034-4245
Document Number0025630729
Book / Page2563 / 729
Instrument DateMay 11, 2022
Instrument202245017700
Transaction TypeTransfer
Record UpdatedJun 9, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address603 S FLETCHER AVE, 603, FERNANDINA BEACH, FL 32034-2227

Transferred To (Grantee/Buyer)

NameVerified Name
Address603 S FLETCHER AVE, FERNANDINA BEACH, FL 32034-2227

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateSep 1, 2020
Property Address402 BEECH ST, FERNANDINA BEACH, FL 32034-4245
Document Number0023880604
Book / Page002388 / 000604
Instrument DateAug 28, 2020
Instrument45027475
Transaction TypeTransfer
Record UpdatedSep 29, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,813.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address603 S FLETCHER AVE FERNANDINA BEACH FL 320342227, FERNANDINA BEACH, FL 32034-2227

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateAug 28, 2020
Property Address402 BEECH ST, FERNANDINA BEACH, FL 32034-4245
Document Number0023871538
Book / Page002387 / 001538
Instrument DateAug 26, 2020
Instrument45027192
Transaction TypeTransfer
Record UpdatedSep 25, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,225.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address13361 ATLANTIC BLVD JACKSONVILLE FL 322255569, JACKSONVILLE, FL 32225-5569
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
MunicipalityFernandina Beach City
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$14,188.00 (+7.24%)$787,287 (+8.93%) Land $237,500 Building $549,787$787,287 (+8.93%) Land $237,500 Building $549,787
2024$13,230.00 (+0.97%)$722,725 (+3.65%) Land $200,000 Building $522,725$722,725 (+3.65%) Land $200,000 Building $522,725
2023$13,103.00 (+125.25%)$697,261 (+103.53%) Land $200,000 Building $497,261$697,261 (+103.53%) Land $200,000 Building $497,261
2022$5,817.00$342,585 Land $160,000 Building $182,585$342,585 Land $160,000 Building $182,585

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 80 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies80 in force
Nearby Flood Claims2 (2011–2023)
Claims Outside the SFHA2 of 2
Most Recent ClaimJul 2023 · rainfall accumulation

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 RiskNot rated
no burnable land within ember reach

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 SystemFERNANDINA BEACH WTP
serves 21,925 people · EPA ID FL2450364
Water SourceGroundwater
Last State InspectionAug 2025
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 445 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
IQ Fiber
Fiber		5,000 / 5,000
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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