900 Cedar St, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 900 Cedar St, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,801 sqft · built 1930
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Jul 2024)
Tax Bill	$7,586 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-00-31-1800-0130-0010`

Property Details

APN / Parcel Number

Primary APN	`00-00-31-1800-0130-0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,801 sqft Heated Area
Gross Area	2,254 sqft
1st Floor Area	1,801 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed Porch
Porch Area	425 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	900 CEDAR ST
City	FERNANDINA BEACH
State	FL
Zip	32034-3657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU-8
Legal Description	BLOCK 130 LOT 1 CITY OF FDNA BEACH
Legal Range	28E
Legal Township	03N
Legal Section	23
Legal Subdivision	CITY OF FDNA BEACH
Legal Block	130
Legal Lot Number	1
Jurisdiction	NASSAU FL
Township / Civil Division	FERNANDINA BEACH
Census Block Group	2
Census Block	2008
Census Tract	50103

Historic Designation

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.

Owner

Source: Nassau County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	900 CEDAR ST, FERNANDINA BEACH, FL 32034-3657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2024 · Amount on Record
Deed Sale	Jul 16, 2024 · Amount on Record
Prior Sale	Sep 28, 2016 · Amount on Record
Deed Document Number	202445019735
Deed Book / Page	2724 / 1711
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	900 CEDAR ST, FERNANDINA BEACH, FL 32034-3657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022890774
Date	Jul 12, 2019
Book Page	2289/0774
Instrument	201945022410

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	FERNANDINA BEACH, FL 32034

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Municipality	Fernandina Beach City
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,586.00 (+263.49%)	$420,973 (+170.88%) Land $300,000 Building $120,973	$420,973 (+3.05%) Land $300,000 Building $120,973
2024	$2,087.00 (+1.46%) Homeowner's exemption	$155,409 (+3%)	$408,503 (+1.72%) Land $250,000 Building $158,503
2023	$2,057.00 (+7.64%) Homeowner's exemption	$150,883 (+3%)	$401,594 (-10.89%) Land $250,000 Building $151,594
2022	$1,911.00 Homeowner's exemption	$146,488	$450,667 Land $300,000 Building $150,667

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.

Flood

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 Record median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20