Add Listing
    For Sale
    • For Sale
    • For Lease
    • Sold
    • Property Lookup
    • Brokers
    Back to Search
    The Largest CRE Database in the US with Over 1 Million Listings

    22 N 4TH Street Fernandina Beach, FL 32034

    View on Map
    Claim this Listing
    For Sale
    $1,649,000

    COMMERCIAL - Fernandina Beach, FL

    Property size:
    3,745 SF
    Lot size:
    0.12 Acres
    Price / SF:
    $440/SF
    Added:
    Jan 16, 2026
    Days on Market:
    105
    Last Refresh:
    May 1 at 9:06 pm

    Property Features for 22 N 4TH Street

    General Information

    Property type
    Commercial Sale
    Property subtype
    Other
    Zoning
    C-3
    Window features
    Wood Frames, Vinyl Frames
    Exterior features
    Fenced, Sprinkler System
    Fencing
    Fenced
    Standard status
    Active
    APN
    00-00-31-1800-0023-0050
    Size
    3,745 SF
    Lot size
    0.12 Acres

    Taxes and HOA fees

    Tax Description
    BLOCK 23 LOT 5 L/E OR 1283/1367 CITY OF FDNA BEACH

    Utilities

    Heating system
    Heat Pump (Heating)
    Cooling system
    Heat Pump
    Water source
    Public

    Building Details

    Year built
    1883
    Flooring type
    Wood
    Building materials
    Frame
    Roof type
    Metal

    We can help!

    Listing Contact
    Hugh Williams
    Hugh Williams

    Listing agent Hugh Williams

    Listing office BERKSHIRE HATHAWAY HomeServices HWREI 720 Magnolia Lane, Fernandina Beach, FL

    Listing date Jan 16, 2026

    MLS# 114746

    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.

    Overview

    Historic Mixed-Use Building, Fernandina Beach

    Located in the heart of downtown Fernandina Beach, within the prestigious Fernandina Beach Historic District, this renovated historic building presents a rare investment opportunity. The 3,745 square foot property, zoned C-3, offers flexibility for commercial, mixed-use, or live-work configurations. It is suitable for retail, professional offices, boutique hospitality, or upscale residential purposes. A comprehensive renovation has revitalized every detail, blending modern functionality with timeless architecture. An elevator provides accessibility across multiple levels, enhancing tenant convenience. The property is located steps from Centre Street's shops, restaurants, galleries, and Amelia River sunsets. Situated in one of Florida's downtown markets, this property offers location-driven ROI potential. The building blends vintage sophistication, contemporary luxury, and commercial versatility. The lot size is 0.117 acres.
    Property Profile Insight Report Location Intelligence

    Current Use by Public Records

    Storefront properties

    Suggested Use

    Law Firm Real Estate Agency Restaurant Dental Office Spa & Massage Center Hair Salon Nail Salon Building Supply Gym & Fitness Center Accounting Firm

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    Fernandina Beach
    County
    Nassau
    State
    Florida
    Longitude
    -81.4617127
    Latitude
    30.6719351

    Nearby Similar for Sale

    • $900,000

      Historic Downtown Commercial Unit

      Ground-level commercial unit in Fernandina Beach's historic City Mart.
      5 S 3RD Street, Fernandina Beach, FL 32034
      View Details
    • $789,000
      1,310 SF

      Commercial Property Near Amelia Island

      Commercial property near the beach with high visibility and flexible zoning.
      2477 SADLER Road, Fernandina Beach, FL 32034
      View Details
    • $899,000
      2,733 SF

      Ocean-View Duplex on Fletcher Avenue

      Prime income property with ocean views and flexible living spaces.
      2337 S FLETCHER Avenue, Fernandina Beach, FL 32034
      View Details
    • $780,000

      Historic Triplex in Downtown Fernandina

      Charming triplex in historic downtown Fernandina Beach, Florida.
      514 S 6TH Street, Fernandina Beach, FL 32034
      View Details
    • $395,000

      Land Near Fernandina Beach

      R-3 zoned land ideal for short-term rentals near the beach.
      1965 S FLETCHER Avenue, Fernandina Beach, FL 32034
      View Details
    • $395,000

      Land Near Fernandina Beach

      R-3 zoned land ideal for short-term rentals near the beach.
      1961 S FLETCHER Avenue, Fernandina Beach, FL 32034
      View Details
    • $395,000

      Land Near Fernandina Beach

      R-3 zoned land ideal for short-term rentals near the beach.
      1957 S FLETCHER Avenue, Fernandina Beach, FL 32034
      View Details
    • $395,000

      Land Near Fernandina Beach

      R-3 zoned land ideal for short-term rentals near the beach.
      1953 S FLETCHER Avenue, Fernandina Beach, FL 32034
      View Details
    • $2,900,000
      6,100 SF

      Historic Amelia Island Commercial Property

      6,100 sqft commercial property in the heart of Amelia Island.
      101 CENTRE Street, Fernandina Beach, FL 32034
      View Details
    • $1,600,000
      5,000 SF

      Fernandina Beach Special Purpose Building

      5,000 SF building in Fernandina Beach, ideal for educational use.
      1986 Citrona Dr, Fernandina Beach, FL 32034
      View Details
    • $765,000
      2,766 SF

      Fernandina Beach Golf Course Residence

      Elegant home in gated community with golf membership included.
      94038 HEMLOCK Court, Fernandina Beach, FL 32034
      View Details
    • $375,000
      612 SF

      Unique Live-Work Space with Loft

      Custom-designed live-work space with open loft and high-end finishes.
      960185 Gateway Blvd, Fernandina Beach, FL, 32034-7841
      View Details

    FAQs

    What type of property is this?
    Mixed-use property - Renovated historic building in downtown Fernandina Beach's Historic District.
    Where is this mixed-use property located?
    The property is located at 22 N 4TH Street Fernandina Beach, FL.
    What is the asking price?
    The asking price for this property is $1,649,000.
    What are key features of this property?
    This property features: Prime location in the heart of downtown Fernandina Beach Historic District.; Versatile C‑3 zoning allows for commercial, mixed‑use, or live‑work configurations.; Meticulously renovated **3,745 sq ft historic building blending vintage sophistication and contemporary luxury.**
    (904) 753-1415
    We can help!
    Listing Contact
    Hugh Williams
    Hugh Williams
    Learn More
    Request Owner's contact information
    Message sent successfully
    Error
    If you are the owner or broker of this property and would like to edit or remove this listing please send a message to web site administrator.
    Message sent successfully
    Error
    Email to Your Friends
    Link copied to clipboard
    Separate multiple addresses with a comma
    Message sent successfully
    Error

    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

    More about this property
    Thanks! Your message was sent.
    Error! Your message wasn't sent.
    Please enter your name
    Please enter email
    Please enter the email in the correct format
    Please enter phone
    Please enter the number in the correct format
    Please enter message
    Thank You

    You are Unsubscribed From Notifications

    Thank You for Inquiry

    22 N 4TH Street, Fernandina Beach, FL 32034

    letter with green check mark
    Check your email

    We sent you the

    agent's contact details. yellow underline

    Can't find it?
    Please check your junk/spam folder.
    Google sign-in failed. Please try again or use another login method.
    Sign Up Successful!
    You now have access to more from Realmo!