Gated Communities in Fernandina Beach, FL
Looking for gated communities in Fernandina Beach, FL? Momentum tracks 16 Fernandina Beach communities with evidence of gated community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
Fernandina Beach gated communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Amelia National · agent | Fernandina Beach | $754,000 | -10.0% | 110 d |
| Amelia Concourse · agent | Fernandina Beach | $482,000 | -6.0% | 72 d |
| Summer Beach · agent | Fernandina Beach | $1.19M | -9.0% | 119 d |
| Amelia Lakes · agent | Fernandina Beach | $182,000 | -9.0% | 191 d |
| Amelia Island & Fernandina Beach · agent | Fernandina Beach | $1.29M | -21.0% | 95 d |
| Sandy Pointe Preserve · agent | Fernandina Beach | $655,000 | +10.0% | 139 d |
| Lanceford Creek Plantation · agent | Fernandina Beach | $1.31M | – | – |
| Oyster Bay Harbour · agent | Fernandina Beach | $1.19M | +21.0% | 65 d |
| Brady Point Preserve · agent | Fernandina Beach | $1.43M | – | – |
| The Palms at Amelia · agent | Fernandina Beach | $292,000 | – | 95 d |
| Carlton Dunes · agent | Fernandina Beach | $3.20M | – | – |
| Ocean Place · agent | Fernandina Beach | $1.29M | – | 96 d |
| Turtle Dunes | Fernandina Beach | $945,000 | +7.0% | 103 d |
| Amelia Oaks · agent | Fernandina Beach | $940,000 | – | – |
| Amelia Bay Estates | Fernandina Beach | – | – | 36 d |
| Crane Island | Fernandina Beach | – | – | 145 d |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
What gates change about ownership
Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.
Due diligence before you buy behind a gate
Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.
What it costs to own here
At Nassau County’s typical combined millage of 13.28 mills, a purchase at $1,065,000 (the median across these Fernandina Beach gated communities) generates roughly $14,139 a year in property tax before exemptions — about $1,178 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Nassau County average about $1,159 a year ($97 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Nassau County near $2,773 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Nassau County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Nassau County right now
In the most recent IRS migration data (2022-2023), Nassau County gained a net 2,988 people to relocation, with the largest inbound flows from GA, SC, CA. Households moving IN reported average incomes of $143,143 versus $76,590 for those leaving — the income mix of demand, straight from tax filings. Population is up about 17.5% over the recent multi-year window. On the supply side, builders pulled 1,060 residential permits in Nassau County in 2025 (887 single-family), up 11.2% year over year — against 1,855 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 11.1% versus its income-and-rent fundamentals.
Live inventory, refreshed nightly from the MLS.
Live gated-community listings in Fernandina Beach
41 active listings carry the flag today (18% of Fernandina Beach inventory), median asking $749,000, $378/sq ft, median 67 days on market. Photo cards link to the listing; refreshed nightly.
Newest gated community homes in Fernandina Beach
The most expensive gated community homes in Fernandina Beach
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 16 Ocean Club Drive | $6,500,000 | 7,853 | Ocean Club Drive |
| 940842 Old Nassauville Road | $2,800,000 | 4,862 | Sheffield Bluff |
| 7 Green Winged Teal Road | $1,975,000 | 2,899 | Amelia Island |
| 115 Sea Marsh Road | $1,875,000 | 3,166 | Sea Marsh Village |
| 3119 Sea Marsh Road | $1,495,000 | 2,657 | — |
| 10 Green Winged Teal Road | $1,450,000 | 1,803 | Beach Walker Village |
| 1332 Shipwatch Circle | $1,350,000 | 1,794 | Ship Watch |
| 96133 Oyster Bay Drive | $1,175,000 | 3,250 | Oyster Bay Harbors |
| 4800 Amelia Island Parkway #B-103 | $1,100,000 | 1,173 | Amelia Surf & Racque |
| 1872 Oceanside Lane | $1,090,000 | 1,863 | Oceanside |
Gated Community Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 6 | 15% |
| $300K–$500K | 5 | 12% |
| $500K–$750K | 10 | 24% |
| $750K–$1M | 9 | 22% |
| $1M+ | 11 | 27% |
Fernandina Beach gated community homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Gated Community Homes | New build | Median list | From |
|---|---|---|---|---|
| Amelia National | 20 | 15 | $845,672 | $624,900 |
| Cottages at Stoney Creek | 6 | 0 | $289,999 | $260,000 |
| Oyster Bay Harbours | 5 | 0 | $965,000 | $825,000 |
| Sandcastle Condo | 5 | 0 | $630,000 | $599,000 |
| Beachwood Villas | 5 | 0 | $529,000 | $465,000 |
| Amelia Surf & Racque | 4 | 0 | $1,049,999 | $900,000 |
| Enclave At Summer Beach | 4 | 0 | $787,000 | $725,000 |
| Crane Island | 3 | 0 | $2,895,000 | $2,550,000 |
| Ship Watch | 3 | 0 | $1,050,000 | $949,000 |
| Amelia Riverwalk | 3 | 0 | $749,000 | $675,000 |
| Village Walk | 3 | 0 | $469,000 | $444,900 |
| The Palms At Amelia | 3 | 0 | $369,900 | $275,000 |
| Amelia Island | 2 | 0 | $2,462,500 | $1,975,000 |
| Marsh Creek | 2 | 0 | $2,387,500 | $1,980,000 |
| Ocean Place Condo | 2 | 0 | $2,072,500 | $2,045,000 |
| Oceanside | 2 | 0 | $1,115,000 | $1,090,000 |
| Amelia Bay Estates | 2 | 0 | $904,900 | $849,900 |
| Club Villas | 2 | 0 | $602,000 | $569,000 |
| Fairway Oaks | 2 | 0 | $522,000 | $449,000 |
| Ocean Club Drive | 1 | 0 | $6,500,000 | $6,500,000 |
| Long Point | 1 | 0 | $4,850,000 | $4,850,000 |
| Sheffield Bluff | 1 | 0 | $2,800,000 | $2,800,000 |
| Seaside Retreat | 1 | 0 | $2,250,000 | $2,250,000 |
| The Landings On Amelia River | 1 | 0 | $2,200,000 | $2,200,000 |
| Riverbend | 1 | 0 | $2,000,000 | $2,000,000 |
| The Residence@amelia Landing | 1 | 0 | $1,900,000 | $1,900,000 |
| Sea Marsh Village | 1 | 0 | $1,875,000 | $1,875,000 |
| Marsh View | 1 | 0 | $1,495,000 | $1,495,000 |
| Beach Walker Village | 1 | 0 | $1,450,000 | $1,450,000 |
| Marsh Creek Cc | 1 | 0 | $1,450,000 | $1,450,000 |
| Sea Dunes | 1 | 0 | $1,049,990 | $1,049,990 |
| Beachwalker | 1 | 0 | $997,000 | $997,000 |
| Turtle Dunes | 1 | 0 | $939,000 | $939,000 |
| High Pointe | 1 | 0 | $925,000 | $925,000 |
| Plantation Point | 1 | 0 | $749,000 | $749,000 |
| Cape Sound | 1 | 0 | $749,000 | $749,000 |
| The Villas At Summer Beach | 1 | 0 | $665,000 | $665,000 |
| Sandy Pointe Preserve | 1 | 0 | $660,000 | $660,000 |
| Tennis Villas | 1 | 0 | $569,000 | $569,000 |
| Amelia Concourse | 1 | 0 | $550,000 | $550,000 |
| Harrison Cove | 1 | 0 | $545,000 | $545,000 |
| Beach Club Villas Condo | 1 | 0 | $499,000 | $499,000 |
| Amelia Walk | 1 | 0 | $499,000 | $499,000 |
| Amelia Lakes | 1 | 0 | $250,000 | $250,000 |
Explore more of Fernandina Beach
- Gated Communities in Nassau County
- Waterfront Communities in Fernandina Beach
- Find the best agent in Fernandina Beach
- Best neighborhoods in Fernandina Beach
Run the numbers in Nassau County
- Find the best agent in Nassau County
- Get a cash offer in Nassau County
- Nassau County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Common questions
How many gated communities does Fernandina Beach, FL have?
What do homes in Fernandina Beach gated communities cost?
How does Momentum classify a community as one of the gated communities?
How much is home insurance in Nassau County?
What are property taxes like in Nassau County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.