Nassau County property record for 509 Beech St, Fernandina Beach, FL 32034
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,676 sqft · built 1930 |
| Lot Size | 0.176 acres (7,700 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $675,000 (Jul 2024) |
| Tax Bill | $10,976 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-00-31-1800-0028-0070 |
| Primary APN | 00-00-31-1800-0028-0070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,676 sqft Heated Area |
| Gross Area | 2,056 sqft |
| 1st Floor Area | 940 sqft |
| Upper Floors Area | 736 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,700 sqft (0.176 acres) |
| Lot Dimensions | 100 ft deep x 77 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 380 sqft |
| Deck Area | 40 sqft |
| Patio Area | 40 sqft |
| Shed | 1 Shed |
| Shed Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 509 BEECH ST |
|---|---|
| City | FERNANDINA BEACH |
| State | FL |
| Zip | 32034-3942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | BLOCK 28 LOT 7 & W28 FT OF 8 EX W'LY 1 FT OF 7 CITY OF FDNA BEACH |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 23 |
| Legal Subdivision | CITY OF FDNA BEACH |
| Legal Block | 28 |
| Legal Lot Number | 7,W28 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | FERNANDINA BEACH |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 50103 |
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.
509 Beech St is owner-occupied and held in a trust since July 2024.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 509 BEECH ST, FERNANDINA BEACH, FL 32034-3942 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
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 | 4 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2024 · Amount on File |
| Deed Sale | Jul 11, 2024 · Amount on File |
| Deed Document Number | 202445019389 |
| Deed Book / Page | 2724 / 440 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 509 BEECH ST, FERNANDINA BEACH, FL 32034-3942 |
| Document Number | 0021681479 |
| Book / Page | 002168 / 001479 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 509 BEECH ST FERNANDINA BEACH FL 320343942, FERNANDINA BEACH, FL 32034-3942 |
| Document Number | 0021681479 |
|---|---|
| Date | Jan 5, 2018 |
| Book Page | 002168/001479 |
| Instrument | 607 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 509 Beech St was $10,976, up 793.1% from the year before.
Source: Nassau County assessment roll, as of July 1, 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 | $10,976.00 (+793.08%) | $609,044 (+461.2%) Land $365,750 Building $243,294 | $609,044 (+12.76%) Land $365,750 Building $243,294 |
| 2024 | $1,229.00 (+2.33%) Homeowner's exemption | $108,525 (+3%) | $540,139 (+1.88%) Land $308,000 Building $232,139 |
| 2023 | $1,201.00 (+9.38%) Homeowner's exemption | $105,364 (+3%) | $530,157 (+18.33%) Land $308,000 Building $222,157 |
| 2022 | $1,098.00 Homeowner's exemption | $102,295 | $448,042 Land $246,400 Building $201,642 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 509 Beech St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 80 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 80 in force |
| Nearby Flood Claims | 2 (2011–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 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.
The area around 509 Beech St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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