# 1102 LADIES Street, Fernandina Beach, FL 32034 > **TL;DR:** 3bd/3ba single family, $1,574,000 ($667/sqft), built 2019, 2,360 sqft. > Fireplace, A/C. Est. $8,418/mo. Listed 237 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,574,000 | | Price/sqft | $667 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,360 | | Year Built | 2019 | | Lot Size | 9,148 sqft (0.21 acres) | | Stories | 2 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 237 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $7,959 | | Estimated Insurance | $459 | | **Total** | **$8,418** | ## Key Amenities - Fireplace - A/C ## Property Highlights - Built in 2019 - 0.21 acre lot - 2 stories - Fireplace ## Description ### Agent Description Built in 2019 on a rare 0.21-acre double lot in Historic Old Town, this custom residence offers a combination difficult to replicate: the architectural character of one of Fernandina Beach's most distinctive neighborhoods with the comfort and advantages of modern construction. Designed by Eric Moser and built by Jim Cartwright, the home was thoughtfully conceived to complement its historic surroundings while meeting today's expectations for quality and livability. Multiple porches invite relaxed mornings and effortless entertaining, while the fully fenced backyard, outdoor shower, space for a future pool, and dedicated parking for up to three vehicles create an unusually versatile setting for enjoying the coastal lifestyle. Heart pine floors, mahogany doors, a wood-burning fireplace, vintage lighting, a BlueStar range, a standing-seam metal roof, high-performance insulation, and PG-40 windows underscore the quality. The property has no HOA. Schedule your private showing today. ## Location - **Address:** 1102 LADIES Street, Fernandina Beach, FL 32034 - **County:** Nassau - **Neighborhood:** Old Town - **Coordinates:** 30.689791, -81.453353 - **Google Maps:** https://www.google.com/maps?q=30.689791,-81.453353 ## Listing Agent - **Name:** TAMARA JONES - **Brokerage:** Amelia Island Real Estate Services - **Broker Phone:** (904) 277-5980 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1102-Ladies-St_Fernandina-Beach_FL_32034_M62763-30351?f=listhub&s=NEFMLS&m=2133517&c=propsimple) ## Photos ![1102 LADIES Street - Photo 1](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f4016035411r.jpg) ![1102 LADIES Street - Photo 2](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f241673011r.jpg) ![1102 LADIES Street - Photo 3](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f4180295147r.jpg) ![1102 LADIES Street - Photo 4](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2331313224r.jpg) ![1102 LADIES Street - Photo 5](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3379039117r.jpg) ![1102 LADIES Street - Photo 6](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3270443446r.jpg) ![1102 LADIES Street - Photo 7](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2993423011r.jpg) ![1102 LADIES Street - Photo 8](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2896426092r.jpg) ![1102 LADIES Street - Photo 9](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2656637681r.jpg) ![1102 LADIES Street - Photo 10](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f4020133409r.jpg) ![1102 LADIES Street - Photo 11](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3562176326r.jpg) ![1102 LADIES Street - Photo 12](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3251420035r.jpg) ![1102 LADIES Street - Photo 13](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1452135877r.jpg) ![1102 LADIES Street - Photo 14](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f4227385034r.jpg) ![1102 LADIES Street - Photo 15](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f591685545r.jpg) ![1102 LADIES Street - Photo 16](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1366725676r.jpg) ![1102 LADIES Street - Photo 17](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1540433441r.jpg) ![1102 LADIES Street - Photo 18](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2333798106r.jpg) ![1102 LADIES Street - Photo 19](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1506900408r.jpg) ![1102 LADIES Street - Photo 20](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2169034920r.jpg) ![1102 LADIES Street - Photo 21](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1374604156r.jpg) ![1102 LADIES Street - Photo 22](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f4217477216r.jpg) ![1102 LADIES Street - Photo 23](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1769645203r.jpg) ![1102 LADIES Street - Photo 24](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3396823886r.jpg) ![1102 LADIES Street - Photo 25](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1046801458r.jpg) ![1102 LADIES Street - Photo 26](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3700944412r.jpg) ![1102 LADIES Street - Photo 27](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1666963496r.jpg) ![1102 LADIES Street - Photo 28](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1384692336r.jpg) ![1102 LADIES Street - Photo 29](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f79184505r.jpg) ![1102 LADIES Street - Photo 30](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f352753185r.jpg) ![1102 LADIES Street - Photo 31](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2684622753r.jpg) ![1102 LADIES Street - Photo 32](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3217834750r.jpg) ![1102 LADIES Street - Photo 33](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1905073031r.jpg) ![1102 LADIES Street - Photo 34](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3776728297r.jpg) ![1102 LADIES Street - Photo 35](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f225823387r.jpg) ![1102 LADIES Street - Photo 36](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f351135370r.jpg) ![1102 LADIES Street - Photo 37](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1078795413r.jpg) ![1102 LADIES Street - Photo 38](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1652380213r.jpg) ![1102 LADIES Street - Photo 39](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f4277120496r.jpg) ![1102 LADIES Street - Photo 40](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f65670835r.jpg) ![1102 LADIES Street - Photo 41](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f636027030r.jpg) ![1102 LADIES Street - Photo 42](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f783500462r.jpg) ![1102 LADIES Street - Photo 43](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f331294651r.jpg) ![1102 LADIES Street - Photo 44](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1880429536r.jpg) ![1102 LADIES Street - Photo 45](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2637254269r.jpg) ![1102 LADIES Street - Photo 46](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3047415236r.jpg) ![1102 LADIES Street - Photo 47](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1313630623r.jpg) ![1102 LADIES Street - Photo 48](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f916346290r.jpg) ![1102 LADIES Street - Photo 49](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f689709966r.jpg) ![1102 LADIES Street - Photo 50](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2385046344r.jpg) ![1102 LADIES Street - Photo 51](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1910092192r.jpg) ![1102 LADIES Street - Photo 52](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f2852788014r.jpg) ![1102 LADIES Street - Photo 53](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1967401926r.jpg) ![1102 LADIES Street - Photo 54](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1574103436r.jpg) ![1102 LADIES Street - Photo 55](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f349295601r.jpg) ![1102 LADIES Street - Photo 56](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3325026673r.jpg) ![1102 LADIES Street - Photo 57](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f1471179206r.jpg) ![1102 LADIES Street - Photo 58](http://lh.rdcpix.com/39aa055e7bb8e8afe26a7878002df198l-f3012535757r.jpg) --- **MLS#:** 2133517 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/1102-ladies-street-fernandina-beach-fl-32034-e7cc15c99b8e40fa996f3906a148bc1b) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/1102-ladies-street-fernandina-beach-fl-32034-e7cc15c99b8e40fa996f3906a148bc1b#listing", "url": "https://staging.propertysimple.ai/listing/1102-ladies-street-fernandina-beach-fl-32034-e7cc15c99b8e40fa996f3906a148bc1b", "name": "1102 LADIES Street, Fernandina Beach, FL 32034", "description": "Built in 2019 on a rare 0.21-acre double lot in Historic Old Town, this custom residence offers a combination difficult to replicate: the architectural character of one of Fernandina Beach's most distinctive neighborhoods with the comfort and advantages of modern construction. 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