639 Gaines LaneFernandina Beach, FL 32034Price: $649,000

  • Price: $649,000
  • Est. Mortgage of $/month
  • 181 Days on Market
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$/month over payments
Federal 30-year interest rate: 6.37% last updated on May 7, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $649,000List Price
  • 3Bedrooms
  • 2Full Bath
  • 1,200Square Feet
Set on nearly an acre just outside the city limits but still on Amelia Island, this well-maintained home offers a rare combination of space, privacy, and lower county taxes. The property features a large RV carport with dedicated power hookup, along with shark-coated flooring in a fully finished garage designed for flex space, fresh paint, and new flooring throughout the interior. With a strong rental history and the ability to operate as a short-term rental, it presents excellent potential for investors as well as those seeking a private retreat. The home is being sold fully furnished for immediate use. Only minutes from the beach yet tucked into a secluded setting, this property combines convenience with a sense of calm that is increasingly hard to find on Amelia Island.

Property Details of 639 Gaines Lane

Property Details

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.37% last updated on May 7, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by DANIEL HULETT of ONE SOTHEBY'S INTERNATIONAL REALTY

 "Based on information submitted to Northeast Florida Association of REALTORS as of May 15, 2026 11:17 AM EDT . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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