Explore Fernandina Beach, FL
By Ellen Dittman, #1 Stop for NE FLA-JAX/OP 904.535.1199 (TEXT OK) r
(Watson Realty Corp.)
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Single Family Home for sale in FERNANDINA BEACH, FL Overview Maps Photos $290,000 Single Family Home Main Features 4 Bedrooms3 Full BathroomsInterior: 2,176 sqftYear Built: 2017MLS #: 932081 Location 81008 LEESIDE CTFERNANDINA BEACH, FL 32034USA Ellen Dittman-Watson Realty Corp. Watson Realty Corp(904) 535 1199reo.ellen@gmail.com   Listed by: Watson Realty Corp, Ellen Dittman (904) 535-1199 Our recent listings Single Family Residential | $290,000 | FERNANDINA BEACH, FLALL BRICK HOME! | $162,500 | MIDDLEBURG, FLALL BRICK HOME! | $192,000 | JACKSONVILLE, FLLARGE ROOMS AND LARGE LOT! | $129,000 | JACKSONVILLE, FL Subscribe to our listing feed Nearby properties for sale
By Jeff W, USDA /FHA Mortgage Source
(USDA / FHA Mortgage Source)
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 USDA RD came out today with the new upfront guarantee fee and annual fee structure that will be effective for Single Family Housing Guaranteed Loan Program (SFHGLP) loans in fiscal year of 2016.  Their new fiscal year for 2016 begins October 1, 2015 and the new upfront guarantee fee will change from 2 percent of the loan amount to 2.75 percent of the loan amount.  The annual fee (or monthly PMI) of .50% will remain unchanged.   The upfront guarantee fee is a one-time fee that is charged by all the popular government mortgage programs like USDA, FHA and VA. The one time fee is commonly rolled into the borrowers total loan amount.    Example: Current guarantee fee on a $200,000 loan =  $4,000.00.  Total adjusted loan amount with guarantee fee = $204,000New guarantee fee on a $200,000 loa...
By Phil Stevenson, CRMP, "Mortgage Nerd" in Miami, Florida and Texas
(PS Mortgage Lending 305-791-4874 or 888-845-6630)
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How to Protect Your Spouse Even if They're Under 62 There were many reasons why non-borrowing spouses were removed from title and were not included on the loan when their spouses first obtained a reverse mortgage.  Over the years, there have been many reasons as to why a borrower has removed their spouse from title: whether it be because they were underage at the time the reverse mortgage loan was originated or because they were considerably younger than their spouse, thus making the amount of funds received from the program lower than expected, the non-borrowing has always been a point of concern for many in the industry. Sometimes, to fully pay off the existing mortgage on the subject property, a borrower had no choice but to leave their spouse off the loan or not be able to pay off t...
By Sybil Campbell, Referral Agent Amelia Island Florida
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Last Sunday night the altar was filled with gifts for children. Sunday night, December 7th was not just the anniversary of D Day, it was also the annual Toyland concert at First Baptist Church in Fernandina Beach.   Buddy Mullins, formerly of The Gaithers sang beautifullly but the music didn't move me nearly as much as the overwhelming amount of gifts and toys that covered the altar.    Representatives from the Marine Corp took the toys so they could be given out to needy children the Saturday prior to Christmas.
By Sybil Campbell, Referral Agent Amelia Island Florida
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I just sold my freezer at church!     As some of you know, I have my house at 567 Patriots Way in Fernandina Beach Florida on the market.  I'm moving back to Williamsburg Virginia since my daughter recently got married and is expecting!    One of my goals before moving is to get rid of some of my large heavy items to save on moving costs.    This morning after church I ran into friends who are moving and I told them I was also moving.  Somehow the subject came up that I want to sell my freezer and within minutes I had a check in my hand and a found another friend from church who is willing to pick it up and deliver it to my friends house on Monday before their moving van comes!   If you know anyone who's looking for a great house in the Isle de Mai subdivision, let me know!
By Sybil Campbell, Referral Agent Amelia Island Florida
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Market report for homes sold Amelia Island September 2014:   The following homes sold on Amelia Island Florida during the month of September 2014.  Click here to see the MLS information on these homes.   For more information about homes for sale in the Fernandina Beach/Amelia Island area of Florida, contact Sybil Campbell directly.
By Sybil Campbell, Referral Agent Amelia Island Florida
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Do you like riding horses on the beach? Perhaps you would be interested in Kelly Seahorse Ranch which is located on the south end of Amelia Island Florida.  It is just north of the bridge that leads to Talbot Island.   Amelia Island, home of Fernandina Beach, Florida is a great place to visit or live.    If you want more information about the Fernandina Beach area, contact Sybil Campbell: 904-885-0987 or sybil.realestate@gmail.com
By Sybil Campbell, Referral Agent Amelia Island Florida
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Today I experienced one of the nicest things about living in a small town.     My key got stuck in the lock this weekend and my son had to pull it out with pliers.   That key was bent and I only had one key left so today I called John Crow, locksmith and owner of Amelia Lock and Key.  He was here within an hour.  He told me that the master pings had slipped down into the lock.  He repaired it within minutes, made me two additional keys and didn't charge me.  He gets a lot of business from REALTORS, but he really didn't have to do it for free.     If you are in the Fernandina Beach or Yulee, Florida area and need a locksmith, contact John Crow at Amelia Lock and Key!  at 904-261-5625  
By Sybil Campbell, Referral Agent Amelia Island Florida
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Speechless Sunday: October sky in Fernandina Beach, Florida   It has finally stopped raining and there is a cool crispness in the air.                                      Here in northeast Florida, we don't see the color changes like so many areas of the country do.  Our beautiful bright blue skies are evidence that autumn is here:
By Sybil Campbell, Referral Agent Amelia Island Florida
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The pirate sign points the way:   This sign is on Atlantic Avenue in Fernandina Beach Florida.  It points the way to the public high school and middle school.  The high school athletic team is the pirates. The public schools here in Fernandina Beach have a good reputation; students score well on aptitude tests and many give back to the community as professionals once they finish college or trade school.
By Sybil Campbell, Referral Agent Amelia Island Florida
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Monday memories: my grandson holding a fish he caught last summer.   Last August my two grandsons spent a week with me.      In my neighborhood, Isle de Mai, there are two ponds beside the entrance.    This is a picture of my then nine year old grandson holding up a large bream that he caught in the lake.   I love looking back on happy memories and photos capture them so well.    
By Sybil Campbell, Referral Agent Amelia Island Florida
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I said, "Tomorrow's my birthday", and he said, "I'm not coming." I am a leader in the two year old class in our AWANA program at my church, First Baptist Church in Fernandina Beach, Florida.  The kids are adorable and you never know what they will say.  One little boy told me tonight that he went to Tectsas (Texas) on an airplane with his family.  Later in the evening I said, "Tomorrow's my birthday, and he said, "I'm not coming."  
By Sybil Campbell, Referral Agent Amelia Island Florida
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Speechless Sunday: Flowers blooming in Fernandina Beach, Florida.         Although it is officially autumn, many of my flower beds are still full of color.  This is yet another reason that I love living here in Fernandina Beach, Florida.  The flowers are white vinca, white and yellow lantana and red and yellow lantana.
By Sybil Campbell, Referral Agent Amelia Island Florida
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This is the house in which I raised my kids: It is locatd at 204 Lighthouse Circle in Fernandina Beach, Florida.  I have many great memories of dinners after Little League games, slumber parties with my daughter and her friends, holiday celebrations and life in general.  This was our family home from 1982 until 1997. 
By Sybil Campbell, Referral Agent Amelia Island Florida
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This is a different kind of Throwback Thursday Blog post.  During my early career as a REALTOR in Fernandina Beach Florida, I held open houses but never got any leads out of them.  I have noticed that a lot of agents in town are holding open houses, and I'm hearing that they are successful.  This reminded me of one of the first blogs I posted on AR so I went way back in the archives and found this blog post from 2008: Open houses are they worth the time?
By Sybil Campbell, Referral Agent Amelia Island Florida
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This may be the smallest house in Fernandina Beach; sadly it is not for sale. This house can be seen on the playground behind First Baptist Church on 8th street in Fernandina Beach, Florida.    The kids love to play in the sand and in front or stand inside and pretend they are selling ice cream.   The cedar shake shingles give it a lot of character, don't you think?   If you need to buy or sell property in the Fernandina Beach or Yulee, Florida area contact Sybil Campbell at 904-885-0987.
By Sybil Campbell, Referral Agent Amelia Island Florida
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There were 44 single family residential homes priced up to $250,000 in the Fernandina Beach and Yulee Florida area sold in August 2014.  This is a good example of homes available.   Sold homes priced up to $250,000 If you need to buy or sell a home in the Fernandina Beach or Yulee, Florida area, contact Sybil Campbell
By Sybil Campbell, Referral Agent Amelia Island Florida
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Are you looking for a good buy on a house in Fernandina Beach, Fl? Today's pick for a house in Fernandina Beach is a 3 bedroom 2 bath ranch style house with 1302 heated square feet.     Click here to view this house Whatever your housing needs are in northeast Florida, Sybil Campbell can be your home compass.
By Sybil Campbell, Referral Agent Amelia Island Florida
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Yesterday I saw this double rainbow over the pool in the Isle de Mai subdivision.                      Yesterday was a day of many storms and rainbows, I probably saw five.  When I was driving into my neighborhood, Isle de Mai I saw this rainbow over the pool. If you are interested in buying or selling property in the Fernandina Beach or Yulee Florida area, contact Sybil Campbell.  
By Sybil Campbell, Referral Agent Amelia Island Florida
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Rainbow at 9:10 a. m. Thursday morning:                       We had an early morning thunderstorm on Thursday and I captured this rainbow on my cell phone.  It s very unusual in Florida to have a storm early in the morning.  This photo was taken from the Starbucks parking lot on Sadler Road in Fernandina Beach, Florida    

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