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Single Family ResidenceResidential
$984,804$450 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $425,000 on Jun 30, 2016

409 CEDAR ST

FERNANDINA BEACH, FL 32034
3
Beds
3
Baths
2,190 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$985K
$913K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$425,000 · Jun 30, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,571 (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.$400,323 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$388,663
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$633,776

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.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.45%
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
Lot (acres)The size of the land the home sits on, from county records.0.12
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.Patio · 36 ft²Porch · 306 ft²

Transaction History(4)

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 · 0.8 mi
M
Fernandina Beach Middle SchoolA
Middle · Grades 6–8 · 1.0 mi
H
Fernandina Beach High SchoolA-
High · Grades 9–12 · 1.0 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%

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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

409 Cedar St 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 87% of homes in Nassau County
  • Costs more per square foot than 85% of homes in Nassau County
  • Bigger than 67% of homes in Nassau County
  • Has a smaller lot than 96% of homes in Nassau County
  • Newer than 75% of homes in Fernandina Beach 32034

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
$260K$3M

This home is worth more than 78% 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$984,804
CheaperTypical $667,381Pricier

Pricier than 78% of homes nearby

Price per ft²$450
CheaperTypical $356Pricier

Pricier than 74% of homes nearby

Living area2,190 ft²
SmallerTypical 1,974 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.11 ac
SmallerTypical 0.29 acBigger

Bigger than 7% of homes nearby

Year built2008
OlderTypical 1999Newer

Newer than 75% of homes nearby

How 409 Cedar St ranks against every home in each area.
MeasureThis homeFernandina Beach 32034Nassau County
Estimated valuepricier than$984,80478% of homes87% of homes
Price per ft²pricier than$45074% of homes85% of homes
Living areabigger than2,190 ft²61% of homes67% of homes
Lot sizebigger than0.11 ac7% of homes4% of homes
Year builtnewer than200875% of homes73% of homes

About 409 Cedar St

How much is 409 Cedar St, Fernandina Beach, FL worth?

The TopHap Estimate for 409 Cedar St, Fernandina Beach, FL is $984,804 as of Oct 21, 2026. The likely range is $913,462 to $1,056,146. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 Cedar St, Fernandina Beach, FL last sell?

409 Cedar St, Fernandina Beach, FL last sold on Jun 30, 2016 for $425,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 409 Cedar St, Fernandina Beach, FL?

409 Cedar St, Fernandina Beach, FL has 3 bedrooms, 3 bathrooms, 2,190 square feet of living space and a 0.12-acre lot.

When was 409 Cedar St, Fernandina Beach, FL built?

409 Cedar St, Fernandina Beach, FL was built in 2008, making it 18 years old. The building has 2 stories.

What schools serve 409 Cedar St, Fernandina Beach, FL?

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

How does 409 Cedar St, Fernandina Beach, FL compare to other homes in Fernandina Beach 32034?

Among the 22,366 homes in Fernandina Beach 32034, it is worth more than 78% of them ($984,804 against a typical $667,381), its price per square foot is higher than 74% of them ($450 against a typical $356), it is bigger than 61% of them (2,190 ft² against a typical 1,974 ft²), its lot is bigger than 7% of them (0.11 ac against a typical 0.29 ac) and it is newer than 75% of them (2008 against a typical 1999). Measured against all of Nassau County, it is worth more than 87% 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 409 Cedar St, Fernandina Beach, FL?

The 2024 property tax bill for 409 Cedar St, Fernandina Beach, FL was $6,571. The county assessed it at $400,323.

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