Nassau County property record for 4856 Why Rd, Fernandina Beach, FL 32034
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,397 sqft · built 1978 |
| Lot Size | 0.339 acres (14,800 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,131 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-00-30-0780-0019-0080 |
| Primary APN | 00-00-30-0780-0019-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,397 sqft Heated Area |
| Gross Area | 1,675 sqft |
| 1st Floor Area | 1,397 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,800 sqft (0.339 acres) |
| Lot Dimensions | 148 ft deep x 100 ft wide |
| Garage Area | 728 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 200 sqft |
| Pole Barn | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4856 WHY RD |
|---|---|
| City | FERNANDINA BEACH |
| State | FL |
| Zip | 32034-5643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | PT OF LOT 19 OR 153 PG 385 SUB OF SEC 15 DB Y/128 |
| Legal Range | 28E |
| Legal Township | 02N |
| Legal Section | 15 |
| Legal Subdivision | AMELIA |
| Legal Lot Number | 19 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | FERNANDINA BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 50203 |
4856 Why Rd is owned and occupied by an individual who acquired it in April 1978.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4856 WHY RD, FERNANDINA BEACH, FL 32034-5643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 1978 |
| Deed Sale | Apr 1, 1978 |
| Deed Document Number | 0000262198 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4856 Why Rd was $1,131 with exemptions applied, up 2.3% from the year before.
Source: Nassau County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,131.00 (+2.26%) Homeowner's exemption Widower's exemption | $118,262 (+2.9%) | $427,486 (+1.07%) Land $300,000 Building $127,486 |
| 2024 | $1,106.00 (+2.79%) Homeowner's exemption Widower's exemption | $114,929 (+3%) | $422,942 (+14.75%) Land $300,000 Building $122,942 |
| 2023 | $1,076.00 (+5.59%) Homeowner's exemption Widower's exemption | $111,582 (+3%) | $368,584 (+17.46%) Land $250,000 Building $118,584 |
| 2022 | $1,019.00 Homeowner's exemption Widower's exemption | $108,332 | $313,807 Land $200,000 Building $113,807 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4856 Why Rd in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1992.
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 File median of 203 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 254 units insured incl. 51 condo units |
| Nearby Flood Claims | 15 (1992–2024) |
| Claims Outside the SFHA | 15 of 15 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| 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 4856 Why Rd is low, with 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 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 | NASSAU-AMELIA UTILITIES private · serves 9,750 people · EPA ID FL2450022 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: IQ Fiber, T-Mobile.
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