About This Home

This 0-bedroom, 2-bathroom condo at 5 S 3RD Street #B in Fernandina Beach, FL is listed for $899,000 ($595 per sqft). Built in 1884, the home offers 1,511 sqft of living space on a N/A lot.

Key Features

  • Built in 1884
  • 2 stories

Property Details

2 stories
2 half
#B
1884

Amenities

A/C
Listing 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!

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 #B

Fernandina Beach, FL 32034

Property Details

Construction

Brick

Parking

Parking LotAssigned

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 $4,808 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1884, 2 stories.

This property is listed by Sara Terry.

ST

Sara Terry

Agent at Chaplin Williams Realty

Listed by Chaplin Williams Realty · Broker phone: (904) 753-1415 · View on Broker Site · Broker website

MLS# 116589· Source: Amelia Island-Nassau County Association of Realtors· 118 days on PropertySimple

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 #B, Fernandina Beach, FL 32034

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