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Single Family ResidenceResidential
$679,527$389 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

2912 ROBERT OLIVER AVE

FERNANDINA BEACH, FL 32034
3
Beds
2
Baths
1,748 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$680K
$651K low$708K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$429,527
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$343,622
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.34%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,000
JPMORGAN CHASE BANK NA · recorded Sep 15, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,719 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$557,413 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$250,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$307,413
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$474,018
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$557,413

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.62%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyNassau
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2001
Lot (acres)The size of the land the home sits on, from county records.0.21
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 332 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Southside Elementary School
Elementary · Grades KG–2 · 2.3 mi
H
Fernandina Beach High SchoolB-
High · Grades 9–12 · 2.5 mi
M
Fernandina Beach Middle SchoolA+
Middle · Grades 6–8 · 2.7 mi

District: Nassau County School District

Neighborhood · ZIP 32034These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.67
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.45,139
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.570 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$104,256
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,934
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2912 Robert Oliver Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 69% of homes in Nassau County
  • Costs more per square foot than 77% of homes in Nassau County
  • Has a smaller lot than 74% of homes in Nassau County

What homes are worth in Fernandina Beach 32034

Each bar is how many homes fall in that price range. The marker is this home.

This home
$255K$2.7M

This home is worth more than 50% of homes in Fernandina Beach 32034.

How it measures up in Fernandina Beach 32034

The dot is this home. The mark in the middle is the typical home in Fernandina Beach 32034.

Estimated value$679,527
CheaperTypical $674,840Pricier

Pricier than 50% of homes nearby

Price per ft²$389
CheaperTypical $355Pricier

Pricier than 61% of homes nearby

Living area1,748 ft²
SmallerTypical 1,961 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.21 ac
SmallerTypical 0.28 acBigger

Bigger than 31% of homes nearby

Year built1996
OlderTypical 1998Newer

Newer than 45% of homes nearby

How 2912 Robert Oliver Ave ranks against every home in each area.
MeasureThis homeFernandina Beach 32034Nassau County
Estimated valuepricier than$679,52750% of homes69% of homes
Price per ft²pricier than$38961% of homes77% of homes
Living areabigger than1,748 ft²39% of homes43% of homes
Lot sizebigger than0.21 ac31% of homes26% of homes
Year builtnewer than199645% of homes43% of homes

About 2912 Robert Oliver Ave

How much is 2912 Robert Oliver Ave, Fernandina Beach, FL worth?

The TopHap Estimate for 2912 Robert Oliver Ave, Fernandina Beach, FL is $679,527 as of Jul 14, 2026. The likely range is $650,815 to $708,239. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2912 Robert Oliver Ave, Fernandina Beach, FL last sell?

2912 Robert Oliver Ave, Fernandina Beach, FL last sold on Jun 12, 2008, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2912 Robert Oliver Ave, Fernandina Beach, FL?

2912 Robert Oliver Ave, Fernandina Beach, FL has 3 bedrooms, 2 bathrooms, 1,748 square feet of living space and a 0.21-acre lot.

When was 2912 Robert Oliver Ave, Fernandina Beach, FL built?

2912 Robert Oliver Ave, Fernandina Beach, FL was built in 1996, making it 30 years old. The building has 1 story.

What schools serve 2912 Robert Oliver Ave, Fernandina Beach, FL?

2912 Robert Oliver Ave, Fernandina Beach, FL is assigned to Southside Elementary School (elementary); Fernandina Beach High School (high), rated B-; Fernandina Beach Middle School (middle), rated A+. All sit in Nassau County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2912 Robert Oliver Ave, Fernandina Beach, FL compare to other homes in Fernandina Beach 32034?

Among the 22,335 homes in Fernandina Beach 32034, it is worth more than 50% of them ($679,527 against a typical $674,840), its price per square foot is higher than 61% of them ($389 against a typical $355), it is bigger than 39% of them (1,748 ft² against a typical 1,961 ft²), its lot is bigger than 31% of them (0.21 ac against a typical 0.28 ac) and it is newer than 45% of them (1996 against a typical 1998). Measured against all of Nassau County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2912 Robert Oliver Ave, Fernandina Beach, FL?

The 2024 property tax bill for 2912 Robert Oliver Ave, Fernandina Beach, FL was $8,719. The county assessed it at $557,413.

Closest homes

More homes in Fernandina Beach 32034

Assigned schools

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