Nassau County property record for 511 Cedar St, Fernandina Beach, FL 32034
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 899 sqft · built 1930 |
| Lot Size | 0.082 acres (3,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $136,000 (Dec 2016) |
| Tax Bill | $6,927 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-00-31-1800-0027-0080 |
| Primary APN | 00-00-31-1800-0027-0080 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 899 sqft Living Area |
| 1st Floor Area | 747 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 3,550 sqft (0.082 acres) |
| Lot Dimensions | 10 ft deep x 3.5 ft wide |
| Garage Area | 260 sqft |
| Porch | Florida Room |
| Porch Area | 294 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 511 CEDAR ST |
|---|---|
| City | FERNANDINA BEACH |
| State | FL |
| Zip | 32034-3948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | BLOCK 27 E35 1/2 FT OF LOT 8 IN OR 2089/1271 CITY OF FDNA BEACH |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 23 |
| Legal Subdivision | CITY OF FDNA BEACH |
| Legal Block | 27 |
| Legal Lot Number | 8 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | FERNANDINA BEACH |
| Census Block Group | 3 |
| Census Block | 3011 |
| 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.
511 Cedar St is owned by an individual who bought it in December 2016.
Source: Nassau County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10793 ASHTON AVE, 5, LOS ANGELES, CA 90024-5075 |
| 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.
| Date | Document |
|---|---|
| Oct 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY CU |
| Feb 17, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2016 · Amount on File |
| Deed Sale | Dec 19, 2016 · Amount on File |
| Deed Document Number | 201635382 |
| Deed Book / Page | 2089 / 1271 |
| Prior Transfer Date | Aug 19, 2011 |
| Prior Transfer Doc | 0017520820 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 511 CEDAR ST, FERNANDINA BEACH, FL 32034-3948 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10793 ASHTON AVE 5, 5, LOS ANGELES, CA 90024-5075 |
| Document Number | 0023981487 |
|---|---|
| Date | Oct 8, 2020 |
| Book Page | 2398/1487 |
| Instrument | 202045032312 |
| Name | UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Address | LOS ANGELES, CA 90025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Nov 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 5.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 511 CEDAR ST, FERNANDINA BEACH, FL 32034-3948 |
| Document Number | 0021781285 |
| Instrument Date | Feb 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10793 ASHTON AVE LOS ANGELES CA 900245057, LOS ANGELES, CA 90024-5057 |
| Document Number | 0021781285 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 002178/001285 |
| Instrument | 5427 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 19, 2048 |
The 2025 property tax bill for 511 Cedar St was $6,927, up 46% 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 | $6,927.00 (+46.02%) | $628,527 (+103.98%) Land $182,875 Building $445,652 | $628,527 (+103.98%) Land $182,875 Building $445,652 |
| 2024 | $4,744.00 (+4.13%) | $308,136 (+2.57%) Land $154,000 Building $154,136 | $308,136 (+2.57%) Land $154,000 Building $154,136 |
| 2023 | $4,556.00 (+14.85%) | $300,422 (+11.36%) Land $154,000 Building $146,422 | $300,422 (+11.36%) Land $154,000 Building $146,422 |
| 2022 | $3,967.00 | $269,764 Land $123,200 Building $146,564 | $269,764 Land $123,200 Building $146,564 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 511 Cedar 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 511 Cedar 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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