Charles Stephens, Realtor®

Charles Stephens
Realtor®
CENTURY 21 Miller Elite
Direct:
Office:
License:
SL3465299 FL

Welcome, and thanks for stopping by.

I’m Charlie, a local realtor based in Fernandina Beach with a true appreciation for the coastal lifestyle and everything that makes Amelia Island unique. Whether you are buying your first home, searching for a second home near the water, or preparing to sell, my goal is to make the process clear, comfortable, and tailored to you.

Real estate is personal, and I believe it should feel that way from the very first conversation. I take a straightforward, low pressure approach and focus on understanding what matters most to you. From historic downtown properties to oceanfront homes and neighborhood living, I bring local knowledge, strong communication, and a steady hand to every step of the journey.

If you are just starting to explore or ready to make a move, you are in the right place. I look forward to helping you feel confident about what comes next.

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Sample Mortgage Rates

For 6/04/2026

30 Year Fixed
6.375%
15 Year Fixed
5.75%
7/6 ARM
6.75%

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

Mortgage calculator estimates are provided by C21 Miller Elite and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.

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