Stoney Creek
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of EXP REALTY LLC · via realMLS
Stoney Creek is a gated community in Fernandina Beach built entirely in 2008 — all 220 homes share a single construction vintage, which is unusual and means price differences here come down almost entirely to condition and updates rather than era. The median sale price sits at $287,500, working out to $178.78 per square foot on a median home of 1,554 square feet.
Right now there are zero active listings in Stoney Creek, and closings over the trailing 6-month window show pricing down 2.5% year-over-year with a median 63.5 days on market. That combination — no current inventory but a slower, negotiated pace on the last handful of closings — points to a market that isn't moving fast, but also isn't offering sellers much competition to price against. A heat score of 49 backs that up: this is a balanced market, not a bidding-war one. Homestead exemptions cover 45% of homes here, telling you close to half the community is owner-occupied rather than turned over as rentals or investment holds.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Stoney Creek right now
🟡 Still climbing. The trailing-12-month median ($288K) is up 2.7% from the prior 12 months ($280K) and up 190% since 2012. With about 6 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 23. Confidence: Low (6 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Stoney Creek market snapshot (as of October 23, 2026): the median sale price is about $288K ($179 per sq ft over the trailing 12 months of closed sales), and a median 64 days on market for closed sales. The trailing-12-month median is up 3% from the prior 12 months and up 190% since 2012, computed from record-level realMLS closed sales (6 closings in the current window).
Stoney Creek is a gated, amenity-supported community of 220 homes in Fernandina Beach (Nassau County), all built in 2008, with a pool, security gate, and off-site management handling grounds and trash.
The setting & the homes.
Aerial and on-site photos of Stoney Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Stoney CreekPhotos from realMLS listings in Stoney Creek; content deemed reliable but not guaranteed.
Who Stoney Creek is best for.
Best for
- Buyers targeting a home priced near the community median who are ready to move quickly once a listing appears.
- Buyers comfortable evaluating updates and condition on a single-vintage 2008 home rather than comparing build eras.
- Owner-occupants planning to hold long-term in a gated, amenity-maintained setting with pool access.
Probably not for
- Buyers who want several active listings to compare side by side before deciding — there are none right now.
- Buyers seeking a fast, low-negotiation close — the recent median of 63.5 days on market suggests a slower pace.
- Investors expecting rapid appreciation — pricing here is down 2.5% year-over-year in the latest window.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($288K) IS the median in the snapshot above, and the move from 2025 ($280K) IS the +2.7% one-year change.
Windows contain 3 to 13 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
23% of homes for sale in ZIP 32034 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Stoney Creek Market Scorecard
Stoney Creek is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Stoney Creek, Fernandina Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Stoney Creek on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Life at Stoney Creek
- Pool · reported on 4 of 4 listings
- Gated · reported on 3 of 4 listings
- Security Gate · reported on 3 of 4 listings
- Maintenance Grounds · reported on 1 of 4 listings
- Firewall(s) · reported on 1 of 4 listings
- Management - Off Site · reported on 1 of 4 listings
- Trash · reported on 1 of 4 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Fernandina Beach High School (Nassau County School District); verify by address · High
- Fernandina Beach Middle School; verify by address · Middle
- Emma Love Hardee Elementary School; verify by address · Elementary
Zoned schools reflect the assignments reported on recent Stoney Creek listings and can change; always confirm with Nassau County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Stoney Creek address.
The Stoney Creek buying strategy.
If we were buying in Stoney Creek 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 Stoney Creek.
One Build Year, One Real Question
Because every home in Stoney Creek was built in 2008, the usual question of what era a neighborhood belongs to doesn't apply here — the real variable is what's been updated since. With a median price of $287,500 and $178.78 per square foot on 1,554 square feet of living space, buyers should expect the spread between listings to track renovation and maintenance history more than lot or floor-plan differences.
With zero active listings at the moment, there's nothing on the market to compare against directly — a buyer who wants in has to watch for the next listing rather than choose among several. The trailing 6-month closings window shows a median 63.5 days on market and pricing down 2.5% year-over-year, with a heat score of 49 putting this squarely in balanced-market territory rather than a seller's or buyer's extreme. Homestead exemptions on 45% of the community's 220 homes suggest a meaningful share of owner-occupants alongside non-homestead holdings.
The location and the amenities are priced into every listing in Stoney Creek. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Stoney Creek buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (8.1). Basis: Long-Term Appreciation +190% since 2012; Recent Direction +2.7% year-over-year; Pricing Power 96.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With Stoney Creek currently showing zero active listings, the advantage goes to whoever hears about the next one first — that's where local, on-the-ground tracking of this specific gated community matters more than a general area search. Momentum can also help you read the last several closings against the 2008 build year so you're pricing condition and updates correctly rather than guessing, and can coordinate access through the security gate and off-site management for showings.
Stoney Creek in 15 seconds.
Tools for a Stoney Creek 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 Stoney Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Stoney Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Stoney Creek home worth?
Get a no-obligation home value based on real comparable sales in Stoney Creek, 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 homes for sale in Stoney Creek on the map →
Recent Developments in Stoney Creek
Development, infrastructure, retail, and school activity affecting Stoney Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
What it may mean for the marketAdded lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 4 miles northwest of Stoney Creek.
Source: Nassau NewsLine - August 2026Builder Activity
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
What it may mean for the marketNew-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is about 2 miles east of Stoney Creek.
Source: Nassau NewsLine - July 2026Builder Activity
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
What it may mean for the marketOngoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 9 miles northwest of Stoney Creek.
Source: Jax Daily Record - March 2026Development
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
What it may mean for the marketNew employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 9 miles northwest of Stoney Creek.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Stoney Creek?
How long do homes in Stoney Creek take to sell?
Have Stoney Creek home prices gone up?
What schools serve Stoney Creek?
Who is the best real estate agent for Stoney Creek?
How do I find a top Fernandina Beach real estate agent who knows Stoney Creek?
Can Momentum Realty connect me with an agent for Stoney Creek?
Should you buy in Stoney Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Stoney Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 21, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2008 (89 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.
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