Nassau County property record for 710 Centre St, Fernandina Beach, FL 32034
| Property Type | Restaurant |
|---|---|
| Details | 3,182 sqft · built 1951 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Company Name on File |
| Last Sale | $750,000 (Sep 2016) |
| Tax Bill | $19,766 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Aug 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-00-31-1800-0042-0080 |
| Primary APN | 00-00-31-1800-0042-0080 |
|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 3,182 sqft Total Area |
| 1st Floor Area | 1,918 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Built-Up Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 125 ft deep x 88 ft wide |
| Fence | Fence |
| Canopy | 1,004 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 710 CENTRE ST |
|---|---|
| City | FERNANDINA BEACH |
| State | FL |
| Zip | 32034-3941 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | C-3 |
| Legal Description | BLOCK 42 E88' OF LOT 8 & N25'OF E88' OF LOT 7 IN OR 2069/815 ESMT IN OR 694/1498 CITY OF FDNA BEACH |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 22 |
| Legal Subdivision | CITY OF FDNA BEACH |
| Legal Block | 42 |
| Legal Lot Number | 8,N25 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | FERNANDINA BEACH |
| Census Block Group | 3 |
| Census Block | 3036 |
| 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.
710 Centre St, a commercial property, is owned by a company that bought it in September 2016.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 16654, FERNANDINA BEACH, FL 32035-3128 |
| Owner Type | Company |
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 |
|---|---|
| Aug 26, 2019 | Deed of Trust, Mortgage · SBA Mortgage ALMA EXCHANGE BANK & TRUST |
| Aug 22, 2019 | Deed of Trust, Mortgage · Line of Credit PINELAND BK |
| Apr 10, 2017 | Deed of Trust, Mortgage FIRST FSB/FL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2016 · Amount on File |
| Deed Sale | Sep 1, 2016 · Amount on File |
| Prior Sale | Jul 9, 2002 · Amount on File |
| Deed Document Number | 201625233 |
| Deed Book / Page | 2069 / 0815 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 710 CENTRE ST, FERNANDINA BEACH, FL 32034-3941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023000280 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 2300/0280 |
| Instrument | 201945027573 |
| Name | ALMA EXCHANGE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32303 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 710 CENTRE ST, FERNANDINA BEACH, FL 32034-3941 |
| Document Number | 0023000255 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 16654 FERNANDINA BEACH FL 320353128, FERNANDINA BEACH, FL 32035-3128 |
| Document Number | 0023000255 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 002300/000255 |
| Instrument | 45027568 |
| Name | PINELAND BK |
|---|---|
| Address | KINGSLAND, GA 31548 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 710 CENTRE ST, FERNANDINA BEACH, FL 32034-3941 |
| Document Number | 0021130686 |
| Book / Page | 002113 / 000686 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 710 CENTRE ST FERNANDINA BEACH FL 320343941, FERNANDINA BEACH, FL 32034-3941 |
| Document Number | 0021130686 |
|---|---|
| Date | Apr 12, 2017 |
| Book Page | 002113/000686 |
| Instrument | 10899 |
| Name | FIRST FSB/FL |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Apr 11, 2037 |
The 2025 property tax bill for 710 Centre St was $19,766, up 12.8% 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 | $19,766.00 (+12.85%) | $1,181,278 (+23.45%) Land $715,000 Building $466,278 | $1,181,278 (+23.45%) Land $715,000 Building $466,278 |
| 2024 | $17,516.00 (+1.68%) | $956,871 (-2.25%) Land $550,000 Building $406,871 | $956,871 (-2.25%) Land $550,000 Building $406,871 |
| 2023 | $17,226.00 (+13.86%) | $978,890 (+12.69%) Land $550,000 Building $428,890 | $978,890 (+12.69%) Land $550,000 Building $428,890 |
| 2022 | $15,129.00 | $868,646 Land $550,000 Building $318,646 | $868,646 Land $550,000 Building $318,646 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 710 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 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.
Wildfire risk around 710 Centre St 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 | 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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