Fernandina Shores
Homes for Sale in Fernandina Beach, FL
All 246 homes for sale in Fernandina Beach, FL · median $677,450 · 53 condos for sale in Fernandina Beach · 237 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of SERVICE REALTY, LLC · via realMLS
As of October 2026, the MLS records 22 closed sales in Fernandina Shores in Fernandina Beach, FL since 2013, the most recent in July 2026. Across Fernandina Beach as a whole, 277 homes closed in the last 12 months at a median of $480,000, 48 median days on market, with 102 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $6,370 ($5,870 with the full homestead exemption).

The honest starting point on Fernandina Shores is that we are working from a thin data window right now — no closings in the current period — so anyone quoting you a hard price trend here is guessing. What we can say is that this is Fernandina Beach, in Nassau County, a barrier-island market where value tends to be driven by proximity to the water, lot position, and the condition of the home itself rather than by a tidy per-square-foot formula.
For a buyer, that means pricing has to be read house by house, not off a neighborhood average. For a seller, it means presentation and condition carry real weight, and you should not anchor expectations to a comp you saw online. With limited recent closings, the smart move on both sides is to price and offer against the specific property in front of you, verified against the current listing pool.
Nearby homes for sale
No active listings inside Fernandina Shores right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Fernandina Shores sits inside the Fernandina Beach market in Nassau County, a coastal setting where the appeal is the island location and the individual home, not a mass-produced subdivision feel.
realMLS (Northeast Florida) sales records identify 10 homes in Fernandina Shores that have changed hands since 2018, built between 1973 and 1975 (median 1974), with a median living area of about 1,178 sq ft and a typical 2-bedroom, 1.5-bath layout; 100% are condominiums. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Fernandina Shores. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from realMLS listings in Fernandina Shores; content deemed reliable but not guaranteed.
Who Fernandina Shores is best for.
Best for
- Buyers set on a Fernandina Beach barrier-island location who will judge each home individually
- Buyers with flexibility on condition who are willing to weigh maintenance and coastal upkeep
- Sellers ready to invest in presentation and price to the specific property, not a market average
Probably not for
- Buyers who need a clear recent-sales trend before committing
- Buyers wanting a tidy per-square-foot or price-range benchmark to shop against
- Sellers expecting to anchor their price to an online estimate or a single distant comp
The market around Fernandina Shores
Fernandina Shores is too small for its own price trend, so here is the market around it.
In ZIP 32034, 329 homes are on the market and 26% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 532 homes are active and 186 pending (26% under contract).
In ZIP 32034 (Fernandina Beach), 1,079 homes closed in the last 12 months at a median of $440K ($200/sq ft), down 0.2% year over year, with a median 53 days on market. Right now 216 active and 75 pending listings put supply at about 7.3 months — a buyer's market. See the live ZIP 32034 housing market and the Nassau County market.
ZIP and county figures describe the wider market, not Fernandina Shores specifically. Momentum Research analysis of MLS records.
Life at Fernandina Shores
- Beach Access · reported on 1 of 1 listings
- Clubhouse · reported on 1 of 1 listings
- Tennis Court(s) · reported on 1 of 1 listings
- Pool · reported on 1 of 1 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Fernandina Shores buying strategy.
If we were buying in Fernandina Shores today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Fernandina Shores.
Reading a thin-data coastal market
The challenge in a community like this is data scarcity. With no closings in the current window, there is no clean median or velocity number to lean on, and that absence is itself the story: value here is condition-driven and location-driven, with a spread wide enough that averaging would mislead more than it informs.
Practically, that pushes the analysis back to fundamentals. Where does the home sit relative to the beach and to town? What is the condition, and what has recent maintenance looked like on a barrier island where salt air and weather matter? Those questions decide price far more than any headline figure, and they reward buyers and sellers who do the parcel-level homework instead of trusting a summary statistic.
The location and the amenities are priced into every listing in Fernandina Shores. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When the recent-sales record is thin, you need someone who will do the granular work rather than hand you a formula. We track the active Fernandina Beach listing pool through the local MLS, walk the specific home, and build pricing and offer strategy off condition and location — and we will tell you plainly when the numbers don't support a deal.
Fernandina Shores in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $500/month (about $6,000/yr) · median of 19 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $500 per month ($6,000 a year) — the median AssociationFee across 19 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Fernandina Shores buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Fernandina Shores sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Fernandina Shores, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Fernandina Shores home worth?
Get a no-obligation home value based on real comparable sales in Fernandina Shores, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fernandina Beach →
Should you buy in Fernandina Shores?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2013 (22 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Fernandina Shores fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Fernandina Shores with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Fernandina Shores. These are the public schools most often assigned to other communities in ZIP 32034; zones change and vary by address, so confirm with the district before you buy.
- Fernandina Beach High School · 9-12 · FLDOE grade A (assigned to 23 nearby communities)
- Fernandina Beach Middle School · 6-8 · FLDOE grade A (assigned to 21 nearby communities)
- Yulee Middle School · 6-8 · FLDOE grade A (assigned to 14 nearby communities)
- Yulee High School · 9-12 · FLDOE grade A (assigned to 14 nearby communities)
- Southside Elementary School · PK-2 (assigned to 12 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Fernandina Shores
Where is Fernandina Shores?
Fernandina Shores is a community in Fernandina Beach, Nassau County, Florida, ZIP 32034.
Are there homes for sale in Fernandina Shores right now?
No active listings inside Fernandina Shores at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Fernandina Shores have an HOA or CDD?
No HOA is on record for Fernandina Shores in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Nassau County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.












