Robby Mullins- Realtor Summer House Realty

Robby Mullins- Realtor Summer House Realty Ready to help you with living out your dreams. Live in the SUNSHINE where you belong!

Thinking about buying a beach, marsh-view, creek or waterfront property around Amelia Island or Fernandina Beach?One of ...
09/23/2026

Thinking about buying a beach, marsh-view, creek or waterfront property around Amelia Island or Fernandina Beach?

One of the smartest things you can do is check flood and insurance information before you get too far into the deal. A beautiful view can still come with very different flood-zone, elevation, insurance and permitting considerations from one property to the next.

My quick buyer checklist:
✅ Confirm the FEMA flood zone and whether the property is in a Special Flood Hazard Area
✅ Review Base Flood Elevation and any available elevation certificate/data
✅ Get a real insurance quote early—not just an online estimate
✅ Check wetlands, shoreline, dock and permit issues when they apply
✅ Ask about drainage, access and any known prior flooding

This also matters off-island. Yulee and other parts of Nassau County can have mapped flood risk even when a property doesn’t “look” like a flood property.

If you’re comparing homes in Amelia Island, Fernandina Beach or Yulee, send me the addresses. I’ll help you organize the right local questions before you make the decision.

Robby Mullins | Summer House Realty

09/22/2026

Debt-to-income ratio matters more than most buyers realize.

Lenders don’t just look at what you make… they look at what you already owe. Car payments, credit cards, and other debt can shrink your buying power fast.

Your DTI sets the ceiling. Let’s dial in your real number.

09/18/2026

Your credit score does more than qualify you it directly impacts your rate. Even a small increase can save you thousands over time. Lenders reward consistency, and a higher score leads to better terms, so make your credit work in your favor 💳

09/17/2026

Buying a home near the water on Amelia Island or in Fernandina Beach? 🌊

The view matters—but flood exposure, insurance, salt-air wear, and waterfront structures can have a much bigger effect on long-term ownership costs.

Before making an offer, check:
• Flood zone and elevation information
• Homeowners and flood-insurance quotes
• Roof, HVAC, windows, and exterior materials
• Moisture, drainage, and salt-air corrosion
• Seawalls, bulkheads, docks, and permit history
• HOA or condo rental and renovation rules
• Complete monthly and annual ownership cost

Read the expanded local guide:
https://robbymullins.summerhouserealty.com/blog/61/Buying+Near+the+Water+on+Amelia+Island+7+Things+to+Check+Before+Making+an+Offer

Robby Mullins | Summer House Realty
904-507-3319
Local knowledge. Real answers.

09/15/2026

Buying a home: True or False edition 🏡

A good credit score means a better interest rate: True
You can’t buy a home without a 650 credit score: False
You can receive a free home value: True

Are you ready to become a homeowner? DM me!

09/11/2026

Still hunting for the right home? 🏡

Comment these 4 things below: location, beds + baths, style, and price range.

I’ll send you homes that actually fit.

Thinking about buying a home in Amelia Island or Fernandina Beach?Buyers have more choices in the Fernandina Beach marke...
09/10/2026

Thinking about buying a home in Amelia Island or Fernandina Beach?

Buyers have more choices in the Fernandina Beach market right now, which can mean more opportunity to negotiate on the right property.

Whether you're looking for a home near the beach, waterfront property, a golf community, or something off-island in Yulee, every part of Nassau County behaves a little differently. That's where having someone who actually works this market every day matters.

If you're considering buying or selling in Amelia Island, Fernandina Beach, Yulee or Nassau County, I'd be happy to give you a straightforward look at what's happening in your specific neighborhood or price range.

Robby Mullins | Summer House Realty
Local knowledge. Real answers.

09/09/2026

Living room + fireplace inspiration.

Explore these 5 options.

Comment below which is your favorite 👇

09/04/2026

A lot of people are sitting on more equity than they realize 💰

That changes what you can buy next… or whether refinancing even makes sense.

Send me your address, I’ll break down the numbers & your best options.

09/01/2026

Did you know… you don’t need 20% down to buy a home? 🏡

Many buyers put down far less. Conventional can be around 10–14%, FHA as low as 3.5% for qualified buyers, and VA or USDA loans can be 0% down.

20% isn’t a requirement for everyone. Want to know what you can afford? DM me.

Address

316 Ash Street
Fernandina Beach, FL
32034

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