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Homes for Sale in Fernandina Beach, FL

By , Co-Founder, Momentum Realty · Updated November 2, 2026

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227 homes are for sale in Fernandina Beach, FL as of 2026-11-02, with 43 more under contract. The median list price is $669,900 ($335/sq ft), most homes list between $370K to $1.60M, and the median listing has been on the market 80 days. That is 173 houses, 45 condos and 6 townhouses. 5 homes came on the market this week and 666 sold in the last 12 months at a median of $441,997.

Fernandina Beach, FL key facts
LocationNassau County, FL
ZIP codes with their own page1
For sale right now227 active, 43 under contract
Asking prices$669,900 median · $335 per sq ft · most homes $370K–$1.60M
Median days on market (active listings)80
Property types for sale173 houses, 45 condos, 6 townhouses
New listings this week5
Homes sold, last 12 months666 at a median of $441,997 (-4.1% year over year) · $226 per sq ft
Sale-to-list price95% · median 45 days to go under contract
Months of supply4.1 (balanced market)
Share of salesnew construction 5%
Momentum Realty closings here, last 12 months7

Listing counts and prices as of 2026-11-02; MLS data, refreshed nightly; sold figures are trailing 12 months of closed sales. Market figures describe homes, not residents. Cite as: Momentum Realty, “Fernandina Beach, FL key facts,” movewithmomentum.com/homes-for-sale/fernandina-beach-fl/, data as of 2026-11-02.

Browse all 274 homes for sale in Fernandina Beach, FL — the complete list, newest first.

227
Homes for sale
$669,900
Median list price
$370K to $1.60M
Typical range
80
Median days on market
5
New this week
43
Under contract
$4,435
Est. monthly cost at median
4.1
Months of supply

Newest homes for sale in Fernandina Beach

The most recently listed homes in Fernandina Beach, newest first, with photos. Each card opens the full listing with every photo, the community’s sales history and a tour request. Homes marked New listed in the last seven days.

1872 OCEANSIDE Lane, home for sale in Fernandina Beach
$1.09M New
3 bd · 2 ba · 1,863 sq ft · built 1991
1872 OCEANSIDE Lane, 32034
Crane Island
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
1721 ATLANTIC Avenue, home for sale in Fernandina Beach
$865,000 New
2 bd · 1 ba · 1,668 sq ft · built 1941
1721 ATLANTIC Avenue, 32034
Crane Island
Listing courtesy of WATSON REALTY CORP
1977 CLINCH Drive, home for sale in Fernandina Beach
$600,000 New
3 bd · 1 ba · 1,010 sq ft · built 1953
1977 CLINCH Drive, 32034
Fernandina Beach
Listing courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
95045 BERMUDA Drive, home for sale in Fernandina Beach
$575,000 New
3 bd · 2.5 ba · 2,371 sq ft · built 2006
95045 BERMUDA Drive, 32034
Amelia National
Listing courtesy of SUMMER HOUSE REALTY
95300 ORCHID BLOSSOM Trail, home for sale in Fernandina Beach
$525,000 New
6 bd · 3 ba · 2,681 sq ft · built 2021
95300 ORCHID BLOSSOM Trail, 32034
Amelia Concourse
Listing courtesy of TAYLORED REALTY, INC.
95179 WILD CHERRY Drive, home for sale in Fernandina Beach
$1.18M
4 bd · 3 ba · 2,499 sq ft · built 2021
95179 WILD CHERRY Drive, 32034
Amelia National
Listing courtesy of GAILEY ENTERPRISES LLC
95150 STARLING Court, home for sale in Fernandina Beach
$1.18M
5 bd · 4 ba · 4,072 sq ft · built 2007
95150 STARLING Court, 32034
Amelia National
Listing courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
95023 DOUGLAS Road, home for sale in Fernandina Beach
$310,000
3 bd · 2 ba · 1,674 sq ft · built 1998
95023 DOUGLAS Road, 32034
Fernandina Beach
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT
95217 BIG OAK Avenue, home for sale in Fernandina Beach
$500,000
3 bd · 2 ba · 1,728 sq ft · built 1970
95217 BIG OAK Avenue, 32034
Big Oak
Listing courtesy of ATLANTIC SALT REALTY
96252 BARNWELL Circle, home for sale in Fernandina Beach
$335,000
3 bd · 2 ba · 1,905 sq ft · built 1990
96252 BARNWELL Circle, 32034
Barnwell Estates
Listing courtesy of FADER & CO REALTY LLC
96046 MONTEGO BAY, home for sale in Fernandina Beach
$800,000
4 bd · 2 ba · 2,266 sq ft · built 2005
96046 MONTEGO BAY, 32034
Crane Island
Listing courtesy of FERNANDINA BEACH REALTY
95001 LANIER Road, home for sale in Fernandina Beach
$1.55M
4 bd · 2 ba · 3,160 sq ft · built 1984
95001 LANIER Road, 32034
Crane Island
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS
1140 N 15TH Street, home for sale in Fernandina Beach
$595,000
4 bd · 2 ba · 1,538 sq ft · built 1956
1140 N 15TH Street, 32034
Fernandina Beach
Listing courtesy of HI
95137 GLADIOLUS Place, home for sale in Fernandina Beach
$379,900
4 bd · 2 ba · 1,920 sq ft · built 2018
95137 GLADIOLUS Place, 32034
Amelia Concourse
Listing courtesy of BRANDYWINE HOMES USA LLC
1190 BEACH WALKER Road, home for sale in Fernandina Beach
$1.45M
3 bd · 3 ba · 1,537 sq ft · built 1974
1190 BEACH WALKER Road, 32034
Crane Island
Listing courtesy of AMELIA ISLAND REAL ESTATE SERVICES
1515 S FLETCHER Avenue, home for sale in Fernandina Beach
$1.40M
3 bd · 2 ba · 1,767 sq ft · built 1983
1515 S FLETCHER Avenue, 32034
Crane Island
Listing courtesy of SUMMER HOUSE REALTY
95352 WILD CHERRY Drive, home for sale in Fernandina Beach
$1.27M
4 bd · 3 ba · 3,077 sq ft · built 2022
95352 WILD CHERRY Drive, 32034
Amelia National
Listing courtesy of SUMMER HOUSE REALTY
2628 PIRATES BAY Drive, home for sale in Fernandina Beach
$639,000
3 bd · 2 ba · 1,506 sq ft · built 1989
2628 PIRATES BAY Drive, 32034
Pirates Bay
Listing courtesy of COLDWELL BANKER THE AMELIA GROUP
94130 PALM GARDEN Drive, home for sale in Fernandina Beach
$530,000
5 bd · 2.5 ba · 3,618 sq ft · built 2014
94130 PALM GARDEN Drive, 32034
Nassauville
Listing courtesy of EXIT INSPIRED REAL ESTATE
83519 WATKINS Walk, home for sale in Fernandina Beach
$392,000
3 bd · 2 ba · 1,630 sq ft · built 2021
83519 WATKINS Walk, 32034
Village Walk
Listing courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA
2700 MIZELL Avenue #504A, home for sale in Fernandina Beach
$349,999
3 bd · 2 ba · 1,366 sq ft · built 1974
2700 MIZELL Avenue #504A, 32034
Fernandina Beach
Listing courtesy of CENTURY 21 MILLER ELITE LLC
95029 SAN REMO Drive #2A, home for sale in Fernandina Beach
$630,000
2 bd · 2 ba · 1,503 sq ft · built 2003
95029 SAN REMO Drive #2A, 32034
Fernandina Beach
Listing courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
95117 POPLAR Way, home for sale in Fernandina Beach
$624,999
4 bd · 3 ba · 2,472 sq ft · built 2019
95117 POPLAR Way, 32034
Amelia National
Listing courtesy of WATSON REALTY CORP
97150 HARBOR CONCOURSE Circle, home for sale in Fernandina Beach
$420,000
3 bd · 2.5 ba · 1,843 sq ft · built 2018
97150 HARBOR CONCOURSE Circle, 32034
Harbor Concourse
Listing courtesy of COLDWELL BANKER ANABASIS REALTY

Fernandina Beach homes for sale by price

Every active listing in Fernandina Beach grouped by price, with the newest listings in each band. The median is $669,900; the busiest band is $500K – $750K.

$200K – $300K: 7 homes

$300K – $400K: 25 homes

$400K – $500K: 30 homes

$500K – $750K: 72 homes

$750K – $1M: 40 homes

$1M and up: 53 homes

Every home for sale in Fernandina Beach right now (227)

All 227 active Fernandina Beach listings with a detail page, newest first, refreshed twice a day from the MLS.

Pending and under contract in Fernandina Beach (43)

Fernandina Beach homes that have an accepted offer and are working toward closing. They can still fall through, so each one keeps its page until it closes.

Browse every listing on Momentum Realty.

Homes for sale in Fernandina Beach by ZIP code

Where the inventory is: active listings and the median asking price by ZIP. ZIPs link to their housing scorecard.

ZIPHomes for saleMedian list price
32034226$667,450
320541$1.28M

Fernandina Beach communities with the most homes for sale

The Fernandina Beach neighborhoods and subdivisions with active listings, the median asking price in each, and what homes there actually sold for over the last 12 months. Community names open the community guide with live inventory, sales history, HOA and schools.

CommunityFor saleMedian listMedian sold (12 mo)Days on market
Crane Island42$980,000——
Amelia National15$799,900——
Flora Parke11$540,000——
Amelia Walk10$586,998——
Amelia Concourse8$409,400——
North Hampton7$579,000——
Cottages at Stoney Creek5$274,900——
Summer Beach5$779,000——
Amelia Island & Fernandina Beach4$1.97M——
Beach Walker Village3$1.10M——
Beachwood Villas3$519,000——
Concourse Crossing3$404,000——
Crane Island3$4.90M——
Marsh Lakes3$661,000——
Ship Watch3$1.05M——
Amelia Green2$464,975——
Barnwell Estates2$502,450——
Lofton Point2$349,500——
Old Town Fernandina2$1.08M——
Oyster Bay Harbour2$974,950——
Sandcastle Condo2$690,000——
Nassauville2$500,000——
Pirates Bay2$634,000——
The Palms at Amelia2$309,450——
Villages of Woodbridge2$414,450——
Amelia Bay Estates1$819,000——
Amelia By The Sea1$815,000——
Amelia Island Plantation1$1.05M——
Amelia Lakes1$319,000——
Amelia Park1$625,000——

What is for sale in Fernandina Beach: property types

Browse by type: Condos for sale in Fernandina Beach (45) · Townhomes for sale in Fernandina Beach (6).

The Fernandina Beach real estate market right now

Over the last 12 months 666 homes sold in Fernandina Beach at a median of $441,997 (-4.1% year over year), $226 per square foot. Sellers received 95% of list price and homes took a median 45 days to go under contract. With 227 homes for sale against that sales pace, months of supply is 4.1, a balanced market by the six-month rule. New construction was 5% of sales.

Momentum Realty in Fernandina Beach: our agents closed 7 homes here for buyers and sellers in the last 12 months (4 as the listing brokerage, 2 representing the buyer, 1 on both sides), median sale $660,000 (brokerage closed records through November 2026). Find the right Momentum agent in Fernandina Beach →

Data through August 2026. In August 2026, 145 single-family homes closed in Nassau County at a median of $424,970, down 4.0% from a year earlier, a median 56 days on market, sellers receiving 98.5% of list price, 9.7% of sales closing above asking, 28% cash and 21% newly built. Across the six-county Northeast Florida region the single-family median was $395,000, flat from a year earlier, on 1,711 closings, down 5.4% from a year earlier.

Source: Data provided by realMLS; every figure computed by Momentum from the closed records. Full county tables, price bands and the 13-month history are in the Northeast Florida housing market report for August 2026.

Fernandina Beach supply by price band

Price bandActiveSold, 12 moMonths of supplyDOM
Under $300K10294.147
$300K–$500K18693.197
$500K–$750K351034.146
$750K+36855.132

Fernandina Beach home prices by year

Median sold price, closed sales, days on market and sale-to-list ratio by year, from Momentum’s MLS record.

YearMedian sold priceHomes soldDays on marketSale-to-list
2020$472,75316422596%
2021$515,21414881100%
2022$744,5271558100%
2023$560,986962796%
2024$739,8651376695%
2025$668,4261121597%
2026$504,1583945595%

What a home in Fernandina Beach costs to own

Take the median $669,900 listing with 20% down at today’s 7.24% 30-year rate: principal and interest run about $3,652/month. Nassau County’s typical millage of 13.28 puts property tax near $8,230/year after the $50,000 homestead exemption — and that is the reset bill a buyer pays, not the seller’s capped one. Citizens’ average premium in Nassau County is about $1,159/year; newer roofs and inland addresses usually quote below it. All in, plan on roughly $4,435/month plus any HOA or CDD assessment.

Communities buyers are searching in Fernandina Beach. The Fernandina Beach community pages people are opening from Google right now: Amelia Park · Brady Point Preserve · Ocean Place · Cottages at Stoney Creek · Amelia Bay Estates · North Hampton Yulee.

What it really costs to own a home in Fernandina Beach

As of 2026-11-05, 225 homes are listed for sale in Fernandina Beach at a median asking price of $674,000. The median current property tax bill on those listings is $6,340 a year (the seller's bill, 145 listings reporting). About 74% are in an HOA, with a median fee of $100 a month. The median home was built in 2006.

Property taxMedian current bill $6,340/yr across 145 listings (the seller's bill, often lowered by homestead and the Save Our Homes cap). At the median asking price of $674,000, a buyer's first-year bill with homestead is about $8,400/yr (Nassau County total millage 13.2757 mills, FY2025-26, Nassau County Property Appraiser, FY2025-26 adopted budget).
HOA74% of 225 listings that report it are in a homeowners association. Median fee $100/month (165 listings, normalised to per month). Many master-planned communities in Northeast Florida also carry a CDD assessment on the tax bill; check each listing.
Home insuranceCitizens Property Insurance average premium in Nassau County: $1,159/yr (389 policies, Citizens county detail, April 2026). Private quotes depend on roof age, wind mitigation and flood zone.
Roof and ageMedian build year 2006 (225 listings); 62% were built in 2011 or earlier. Under Florida's 2022 reform (SB 2-D) carriers may require a roof inspection once a roof passes 15 years, so ask for the roof permit date on older homes.
New construction18 of the 225 active listings (8%) are marked new construction.
Time on marketMedian 84 days on market for the active listings.

Estimated carrying cost at the median asking price, before the mortgage: about $897/month. An estimate from the sources above, not a quote; flood insurance and CDD assessments are extra where they apply.

Source: Momentum Realty analysis of 225 active MLS listings (Northeast Florida MLS), 2026-11-05; county millage FY2025-26; Citizens Property Insurance, April 2026. Medians of listing records; individual homes vary.

Cost questions about Fernandina Beach

What are property taxes on a home for sale in Fernandina Beach?

The median current tax bill on Fernandina Beach listings is $6,340 a year (145 listings, MLS, 2026-11-05). A buyer at the median asking price of $674,000 should budget about $8,400 for the first full year with homestead, because the assessed value resets toward the purchase price (Nassau County millage 13.2757, FY2025-26).

Do most homes for sale in Fernandina Beach have an HOA?

About 74% of the Fernandina Beach listings that report it are in an HOA; the median fee is $100 a month (165 listings, MLS, 2026-11-05).

How old are the homes for sale in Fernandina Beach?

The median active listing in Fernandina Beach was built in 2006, and 62% were built in 2011 or earlier, so roof age matters for insurance on many of them (MLS, 2026-11-05).

What does it cost each month to own a home in Fernandina Beach before the mortgage?

About $897 a month at the median asking price of $674,000: first-year tax about $700, insurance about $97, HOA about $100. This is an estimate from MLS, county millage and Citizens data (2026-11-05), not a quote; flood insurance and any CDD are extra where they apply.

Keep comparing: Cost to own in Yulee · Cost to own in Callahan · Cost to own in Fernandina Beach · Cost of living in Fernandina Beach · Home insurance cost in Fernandina Beach · Fernandina Beach flood zones by neighborhood · HOA fees by community, Nassau County · Florida property tax reset calculator · Mortgage payment calculator

Explore Fernandina Beach

Homes for sale near Fernandina Beach

Recently off market in Fernandina Beach

Homes in Fernandina Beach that left the market most recently, with their last list price and a public-record page for each address. Off-market pages keep the community, tax and sales-history context after a listing closes or expires.

Fernandina Beach guides & data

Everything we publish about Fernandina Beach: live listings by type, prices and market data, taxes, insurance and what it costs to live here.

Common questions

How many homes are for sale in Fernandina Beach, FL?
As of 2026-11-02, Momentum's MLS record shows 227 residential homes actively listed for sale in Fernandina Beach and 43 under contract. 5 of them came on the market in the last 7 days.
What is the median home price in Fernandina Beach?
The median list price of homes for sale in Fernandina Beach is $669,900, about $335 per square foot for a typical 2,027-square-foot home. Ten percent of listings are under $370K and ten percent are above $1.60M. Over the last 12 months the median SOLD price was $441,997, -4.1% year over year.
How long do homes take to sell in Fernandina Beach?
Homes currently listed have been on the market a median of 80 days. Homes that sold in the last 12 months took a median of 45 days and sold at 95% of list price. At today's inventory that is 4.1 months of supply, a balanced market by the usual six-month rule.
What does a $669,900 home in Fernandina Beach cost per month?
Roughly $4,435 a month with 20% down at 7.24%: principal and interest of $3,652, Nassau County property tax of about $686/month after the $50,000 homestead exemption, and insurance near $97/month at the Citizens county average. HOA or CDD fees, where they apply, come on top.
Which Fernandina Beach neighborhoods have the most homes for sale?
The communities with the most active listings right now are Crane Island (42), Amelia National (15), Flora Parke (11), Amelia Walk (10), Amelia Concourse (8). Each community page carries its own sales history, live inventory and schools.
How do I see a home for sale in Fernandina Beach?
Every listing on this page opens a full page with all photos, the community's data and a tour request. A Momentum agent who works Fernandina Beach can show any home here, whether it is our listing or another brokerage's, at no cost to a buyer. Call (904) 351-6461 or use the form below.
Where is Fernandina Beach, FL, and what county is it in?
Fernandina Beach is in Nassau County, Florida. Homes for sale there today carry the ZIP codes 32034, 32054. Nearby cities in the same county with homes for sale: Yulee, Callahan, Hilliard, Bryceville.
What ZIP codes are in Fernandina Beach, FL?
Listings in Fernandina Beach are currently in 2 ZIP codes: 32034, 32054. The ZIP table above shows how many homes are for sale in each and the median asking price.
How many houses are for sale in Fernandina Beach, FL?
173 single-family houses are for sale in Fernandina Beach today, out of 227 total listings (45 condos, 6 townhouses). The property-type section above breaks the inventory down, and each card opens the full listing.
How do I buy a house in Fernandina Beach, FL?
Start with the numbers: 227 homes are for sale in Fernandina Beach today at a median asking price of $669,900, so a 20% down payment on the median home is about $133,980 and principal and interest run near $3,652/month at today's 7.24% 30-year rate. Connect with an agent first, sign a written buyer agreement with your agent (required before touring since August 2024), then search by price band, ZIP or community above. Our Florida buyer closing-cost calculator itemizes the cash to close, and the Florida first-time buyer guide covers programs and down-payment help.
How many homes has Momentum Realty sold in Fernandina Beach?
Momentum Realty's agents closed 7 homes in Fernandina Beach for buyers and sellers in the last 12 months (4 as the listing brokerage, 2 representing the buyer, 1 on both sides), median sale $660,000 (brokerage closed records through November 2026). The count is our brokerage's own closed transactions and is refreshed nightly; it is not a market total.
What county is Fernandina Beach in?
Fernandina Beach is in Nassau County, Florida; a smaller share of Fernandina Beach addresses fall in Duval County. Nassau County's 12-month median sale price is $424K on 1,478 closings. Property tax, school zoning and permitting for Fernandina Beach run through Nassau County.
Is Fernandina Beach a good place to live?
That depends on your budget, commute and the kind of home you want, so here is what the housing data says about Fernandina Beach: the median sale price over the last 12 months was $442K across 666 closings (-4.1% year over year), 4% above the Nassau County median of $424K; homes took a median 45 days to go under contract; 272 homes are for sale today, 4.9 months of supply at the current pace, which is balanced; the communities with the most sales are Northside, North Beach, Amelia Walk, Grand Park. The market tracker, price bands and community pages on this site carry the full numbers.
Does Fernandina Beach get hurricanes, and is it safe from them?
Yes, like all of coastal Florida, although direct hurricane landfalls on this stretch of coast are historically rare. NOAA's Storm Events database records 24 tropical-system events in Nassau County from 1961 to 2025 (1 logged as hurricane events); the most recent named storms to leave a record were Debby (2024), Helene (2024), Idalia (2023). Hurricane season runs June 1 to November 30, and the practical questions for a buyer are the flood zone, the roof age and the building-code year of the specific house. The Fernandina Beach hurricane and flood risk page on this site has the storm history, FEMA flood shares and Citizens premium data.
Is Fernandina Beach in a flood zone?
Mostly no. Across 97 homes sampled in Fernandina Beach's largest communities, nearly all sit outside a FEMA Special Flood Hazard Area (Zone X). Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map; each community page here shows its own mix.
How far is Fernandina Beach from downtown Jacksonville and the beach?
Fernandina Beach is about 20 miles north of downtown Jacksonville (straight-line; driving distance is usually 15 to 30 percent more), and it sits on the Atlantic coast at Fernandina Beach.
Is Fernandina Beach part of Jacksonville?
No. Fernandina Beach is in Nassau County; the City of Jacksonville is consolidated with Duval County and stops at the county line. Fernandina Beach is part of the Jacksonville metro area, about 20 miles from downtown, with its own county government, property-tax rates and school district.

Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Fernandina Beach as of 2026-11-02 and refresh as homes list and sell. Source: Data provided by realMLS. The data relating to real estate for sale on this page comes in part from the Internet Data Exchange (IDX) program of the MLS(s) named above; listings held by brokerages other than Momentum Realty are marked with the listing brokerage’s name. Information is deemed reliable but not guaranteed. Estimates are not guarantees. Equal Housing Opportunity.

More communities in Fernandina Beach

1951 Market Condo · Fiddlers Creek · Gaines Unrecd · North Jax Estates · Ocean Gallery Homes · Sea Grove Village · The Cottages Of Ab · Windwood

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Just listed in Fernandina Beach

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