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About This Home

This 0-bedroom, 2-bathroom condo at 5 S 3RD Street in Fernandina Beach, FL is listed for $899,000 ($595 per sqft). Built in 1900, the home offers 1,511 sqft of living space on a N/A lot.

Agent Description

Located in the historic City Mart Building in downtown Fernandina Beach, this 1500 sqft space is one of few properties offering this flexibility. Zoned C-3, allowing residential, retail, office, or mixed-use, the possibilities here are incredible! Accessed from a breezeway on S 3rd St, double glass doors open to a spacious room well-suited for a retail shop, gallery, or living area.

A large room with custom built-ins is ideal as an executive office, bedroom, or space to browse in a boutique setting. The ground level also includes a kitchenette, half bath, and storage. The upper level provides access to a shared balcony and includes a large flex area as well as three private rooms, a large second kitchenette and additional half bath.

The City Mart building is one of Fernandina's most recognizable landmarks, fronting Centre Street, and home to Fantastic Fudge and professional offices. The 3rd St. location offers visibility and foot traffic if desired for retail, while the breezeway entrance creates a more tucked-away, private feel.

The layout naturally supports retail or gallery space below with residential or studio space above. Imagine a boutique, yoga or art studio, live/work arrangement, or monthly furnished rental. The historic district has stood the test of time as a walkable, working downtown and year-round hub for dining, curated boutiques, and beloved community events.

That authenticity is a defining feature of the island's enduring appeal. A zoning confirmation letter outlining permitted uses for C-3 zoning is on file; buyer shall seek permits for renovations or change of use, if required. Seize this opportunity to establish your presence in the heart of Amelia Island's vibrant historic district!

Key Features

  • Built in 1900
  • 2 stories

Property Details

2 stories
2 half
1900

Amenities

A/C

Monthly Cost Estimate

$4,808/mo

20% down · 6.5% · 30 years

Principal$650
Interest$3,896
Insurance$262

Estimates only. Actual payments may vary.

Location

5 S 3RD Street

Fernandina Beach, FL 32034

Property Details

Construction

Brick

Heating

CentralElectric (Heating)

Cooling

Central AirElectric

Appliances

Refrigerator

Questions & Answers

This 0-bedroom, 2-bathroom condo at 5 S 3RD Street is listed at $899,000 ($595/sqft). The estimated monthly payment is $3,896 based on 20% down at 6.5% interest.

Key features include: Built in 1900, 2 stories.

This property is listed by Sara Terry and can be reached at (904) 753-1415 or saraterryrealtor@gmail.com.

ST

Sara Terry

Agent at BERKSHIRE HATHAWAY HomeServices HWREI

(904) 753-1415

Listed by BERKSHIRE HATHAWAY HomeServices HWREI · View on Broker Site

MLS# 115106· Source: listhub· Updated 108 days ago

Copyright © 2026 Amelia Island-Nassau County Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

5 S 3RD Street, Fernandina Beach, FL 32034

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