Momentum Housing Data · Home Values · Nassau County
Buying here? See Oyster Bay Harbors homes for sale and the Oyster Bay Harbors community guide (Fernandina Beach).
Oyster Bay Harbors (Fernandina Beach, FL): 9 recorded closings in the 12 months ending 2026-10-01, a 9-year price record, and sales split by price band and home size — every number from recorded MLS closings, none from an estimate model.
In the current window, sellers accepted a median 95.6% of original asking; the median sale took 17 days; new construction was 22.2% of recorded sales — builder pricing competes with resales here (window ending 2026-10-01).
| Year | Median sold | Median $/sqft | Median DOM | Sold ÷ original ask | Sales |
|---|---|---|---|---|---|
| 2026 | $1,100,000 | $365 | 17 | 95.6% | 9 |
| 2025 | $1,009,950 | $368 | 70 | 89.3% | 4 |
| 2024 | $880,000 | $408 | 22 | 96.3% | 3 |
| 2023 | $980,000 | $343 | 11 | 95.7% | 3 |
| 2022 | $765,000 | $280 | 17 | 100.0% | 9 |
| 2021 | $620,926 | $249 | 37 | 100.0% | 14 |
| 2020 | $551,450 | $190 | 155 | 96.5% | 10 |
| 2019 | $473,075 | $181 | 115 | 99.2% | 4 |
| 2014 | $300,000 | $124 | 64 | 92.4% | 3 |
Over the recorded series, Oyster Bay Harbors’s median sold price moved from $300,000 (2014) to $1,100,000 (12 months ending 2026-10-01) — +267% over that span, with every year’s figure from recorded closings, not a model.
The recorded series starts in 2014 at $300,000. The 2020–22 run-up did what it did everywhere — Oyster Bay Harbors’s median moved +62% from 2019 to 2022. Annual sales volume here has ranged from 1 to 14 closings a year (10-yr average 5.9). With roughly 5.9 closings a year, Oyster Bay Harbors’s medians move in steps, not curves — a handful of unusual sales can swing a year, which is why the sales count sits next to every figure above.
Of the 14 recorded Oyster Bay Harbors closings since 2024, half landed between $888,750 and $1,222,215 (the middle two quartiles); the lowest recorded sale was $595,000 and the highest $2,200,000. If your home sits outside the middle band, the reason usually shows up in the size table below before it shows up in condition.
| Sold price band | Share of closings | Sales |
|---|---|---|
| Under $700,000 | 2 (14%) | |
| $700,000 – $950,000 | 3 (21%) | |
| $950,000 – $1,200,000 | 5 (36%) | |
| $1,200,000 – $1,450,000 | 2 (14%) | |
| None and up | 2 (14%) |
From the live MLS feed as of 2026-10-01: The homes listed or recently sold were built between 1994 and 2025 (median 2019), 1 of them new construction; 9 of 9 listed or recently sold homes report an HOA, median $125/mo; 6 of 8 geocoded listed or recently sold homes sit inside a FEMA special flood hazard zone (A/V), which buyers’ lenders will price into insurance; median elevation 7 ft; the features listings here most often name are Gated, Pickleball, Security Gate, Clubhouse, Tennis Court(s) and Boat Dock. See the current Oyster Bay Harbors listings →
At Oyster Bay Harbors’s $1,100,000 median and Nassau County’s adopted 13.28 mills (FY2025-26), a home assessed at that price carries roughly $14,600 a year in property tax before exemptions, or about $14,100 with the full Florida homestead exemption — a buyer’s first-year figure; a long-time owner’s Save Our Homes cap can be far lower, which is one reason resale taxes jump at closing. Municipal and special-district millage varies inside the county; see the Nassau County tax page.
Current asking prices run a median $1,175,000 against the $1,100,000 recorded sold median (+7%) — the gap between what sellers hope and what the record shows. The market is carrying about 1.7 months of supply at the current sales pace. Demand check: 50% of Oyster Bay Harbors’s listings are under contract, against 26% for ZIP 32034 and 26% for Nassau County as a whole — the community is absorbing faster than its surroundings. Momentum’s market-heat index for Oyster Bay Harbors reads 43/100 (computed from DOM, sale-to-list, and absorption; 2020–21 peaked in the 70s here).
Asking and recorded sold prices are within a few percent of each other here, so the table above is close to what a Oyster Bay Harbors buyer will actually pay; the spread on any single home comes down to size, condition and timing.
We don’t publish algorithm guesses for specific homes — they can’t see condition, upgrades, or your lot. A local agent will prepare a records-based valuation from the same closed-sale data on this page, adjusted for your home. Free, no obligation.
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Communities buyers shopping Oyster Bay Harbors are also weighing (nearest by map distance), each on its own recorded 12-month closings. A median well above the neighbors is a ceiling to price against; well below is where the value argument lives.
| Community | Median sold | Median $/sqft | Median DOM | Sales |
|---|---|---|---|---|
| Lanceford | $1,105,000 | $330 | 11 | 4 |
| Piney Island | $592,000 | $246 | 111 | 5 |
| Pirates Wood | $477,000 | $234 | 21 | 8 |
| Heron Isles | $335,000 | $196 | 47 | 30 |
| School | Level | FLDOE grade |
|---|---|---|
| Emma Love Hardee Elementary (Fernandina, verify zoning) | Public K-5 | A (2025-26) |
| Fernandina Beach Middle School (verify zoning) | Public 6-8 | A (2025-26) |
| Fernandina Beach High School (verify zoning) | Public 9-12 | A (2025-26) |
| Yulee feeder schools (verify; peninsula may zone here) | Public K-12 | — |
Assignments and grades as recorded/published; both change — verify current zoning with the district before relying on it. Grades are the state’s official FLDOE ratings, reported as published.
More Oyster Bay Harbors: full community guide & homes for sale · choosing an agent here · should you sell now (statewide data) · what selling costs · cash offer vs. listing
Source: Data provided by realMLS. Compiled from recorded MLS closings; deemed reliable but not guaranteed. Figures are medians for the stated windows and change as new sales record; individual homes vary widely. No automated valuation for any specific property appears on this page. Equal Housing Opportunity. © 2026 Move With Momentum LLC — brokerage licensed in FL and GA. Disclosures
Content on this page is compiled from public records, MLS data, and automated data sources, and may contain errors or be out of date. It is provided for general information only and is not a representation about any specific property, community, builder, or association. Verify all information independently before relying on it.