Nassau County property record for 415 Centre St, Fernandina Beach, FL 32034
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,312 sqft · built 1856 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,150,000 (Dec 2020) |
| Tax Bill | $31,458 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-00-31-1800-0023-0130 |
| Primary APN | 00-00-31-1800-0023-0130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,312 sqft Living Area |
| 1st Floor Area | 1,649 sqft |
| Upper Floors Area | 1,575 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1856 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 15 ft deep x 8 ft wide |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Porch | Florida Room |
| Porch Area | 1,216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 415 CENTRE ST |
|---|---|
| City | FERNANDINA BEACH |
| State | FL |
| Zip | 32034-4242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C-3 |
| Legal Description | BLK 23 LOT 14 & E 30FT OF LOT 15 & E 80FT LOT 13 IN OR 2420/403 CITY OF FDNA BEACH OF SEC 22-3N-28E U/R |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 22 |
| Legal Subdivision | CITY OF FDNA BEACH |
| Legal Block | 23 |
| Legal Lot Number | 23 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | FERNANDINA BEACH |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 50102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Fernandina Beach Historic District listed 1973 · 122 contributing resources · NRIS 73000593 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
415 Centre St is owned by a company that bought it in December 2020.
Source: Nassau County records, as of March 30, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 52, FERNANDINA BEACH, FL 32035-0052 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 5, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FRANKLIN SYNERGY BANK |
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN SYNERGY BANK |
| Dec 23, 2020 | Warranty Deed, Transfer · Line of Credit FIRST PORT CITY BANK |
| Jun 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ELDON R III SPRAKER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2020 · Amount on File |
| Deed Sale | Dec 23, 2020 · Amount on File |
| Prior Sale | Dec 23, 2020 · Amount on File |
| Deed Document Number | 202045041972 |
| Deed Book / Page | 2420 / 403 |
| Prior Transfer Date | May 18, 2015 |
| Prior Transfer Doc | 0019801094 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 415 CENTRE ST, FERNANDINA BEACH, FL 32034-4242 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022341440 |
|---|---|
| Date | Nov 5, 2018 |
| Book Page | 2234/1440 |
| Instrument | 201845034152 |
| Name | FRANKLIN SYNERGY BANK |
|---|---|
| Type | Bank |
| Address | OLD HICKORY, TN 37138 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 415 CENTRE ST, FERNANDINA BEACH, FL 32034-4242 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023720856 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 2372/856 |
| Instrument | 202045020014 |
| Name | FRANKLIN SYNERGY BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37064 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | Jul 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Dec 23, 2020 |
| Property Address | 415 CENTRE ST, FERNANDINA BEACH, FL 32034-4242 |
| Document Number | 0024200403 |
| Book / Page | 2420 / 403 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 202045041972 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1112 SAFETY HARBOR CV, 1112, OLD HICKORY, TN 37138-1964 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 52, FERNANDINA BEACH, FL 32035-0052 |
| Document Number | 0002420406 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 2420/406 |
| Name | FIRST PORT CITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 415 CENTRE ST, FERNANDINA BEACH, FL 32034-4242 |
| Document Number | 0022850720 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 415 CENTRE ST FERNANDINA BEACH FL 320344242, FERNANDINA BEACH, FL 32034-4242 |
| Document Number | 0022850720 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | 002285/000720 |
| Instrument | 45020398 |
| Name | ELDON R III SPRAKER |
|---|---|
| Address | 3326 ASPEN GROVE DR # 400, FRANKLIN, TN 37067-4838 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 415 Centre St was $31,458, up 14.7% from the year before.
Source: Nassau County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Municipality | Fernandina Beach City |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $31,458.00 (+14.68%) | $2,375,723 (+25.12%) Land $1,500,000 Building $875,723 | $2,375,723 (+25.12%) Land $1,500,000 Building $875,723 |
| 2024 | $27,432.00 (+19.05%) | $1,898,737 (+42.41%) Land $1,200,000 Building $698,737 | $1,898,737 (+42.41%) Land $1,200,000 Building $698,737 |
| 2023 | $23,042.00 (+12.33%) | $1,333,313 (+6%) Land $840,000 Building $493,313 | $1,333,313 (+6%) Land $840,000 Building $493,313 |
| 2022 | $20,513.00 | $1,257,839 Land $840,000 Building $417,839 | $1,257,839 Land $840,000 Building $417,839 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Centre St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 120 (1978–2022) |
| Claims Outside the SFHA | 63 of 120 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| Claims by Event |
|
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 risk around 415 Centre St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 445 locations within half a mile, as of December 31, 2025
| Provider | Max 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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