Amelia Bay Estates
Homes for Sale in Fernandina Beach, FL
All 246 homes for sale in Fernandina Beach, FL · median $677,450 · 237 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of DIAMOND REALTY GROUP OF AMELIA ISLAND · via realMLS
As of October 2026, Amelia Bay Estates in Fernandina Beach, FL has 1 home for sale. As of October 2026, the MLS records 14 closed sales in Amelia Bay Estates in Fernandina Beach, FL since 2009, the most recent in August 2025. 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).
Amelia Bay Estates sits on a $640,000 median price and $265.01 per square foot, with a median living size of 3,402 square feet — this is a large-footprint community, and that size is doing most of the work on the price tag rather than land scarcity or amenity load. Homes here were built between 2006 and 2024, with a median build year of 2020, so most of what changes hands is newer construction rather than dated stock waiting on a renovation budget.
This is a thin market by design: 21 homes total and just 1 active listing at this snapshot, so any single data point should be read as a signal, not a trend line. The market band reads buyer-leaning, months of supply sits at 12, and the median 84 days on market confirms it — homes are not moving quickly, which gives a buyer more room to negotiate on price and terms than the median price alone would suggest.
The 60-Second Overview
Amelia Bay Estates is a gated community of 21 homes in Fernandina Beach, Nassau County, built out mainly between 2006 and 2024 around a large-format home size — the median living area runs 3,402 square feet, well above what most buyers picture when they hear 'community' rather than 'estate lot'.
realMLS (Northeast Florida) sales records identify 12 homes in Amelia Bay Estates that have changed hands since 2009, built between 2006 and 2025 (median 2020), with a median living area of about 2,764 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. 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.
County records show 6 qualified sales in Amelia Bay Estates across 2024–2025 (5 in 2024, 1 in 2025), median $1.12M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Amelia Bay Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Amelia Bay Estates
Amelia Bay Estates
Amelia Bay Estates
Amelia Bay Estates
Amelia Bay Estates
Amelia Bay EstatesPhotos from realMLS listings in Amelia Bay Estates; content deemed reliable but not guaranteed.
Who Amelia Bay Estates is best for.
Best for
- Buyers targeting a larger home (median 3,402 square feet) and comfortable near the $640,000 median price point.
- Buyers who prioritize newer construction and want to avoid a renovation timeline.
- Investors or second-home buyers comfortable in a community where a majority of homes are non-homestead.
Probably not for
- Buyers who need to close on a tight timeline — with 1 active listing, the right home may not be available when needed.
- Buyers who want a wide selection to compare before deciding — inventory here is limited by design.
- Buyers focused on a lower price-per-square-foot entry point rather than a larger, higher-total-price home.
The market around Amelia Bay Estates
Amelia Bay Estates 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 Amelia Bay Estates specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Amelia Bay Estates
Live MLS inventory for Amelia Bay Estates. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Amelia Bay Estates listings as of 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Life at Amelia Bay Estates
- Security Gate · 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.
How far is everything?
Everyday stops around Amelia Bay Estates are close: the nearest dining is about 4 minutes away.
- Dick's Wings and Grill · Dining4 min
- Ellianos Coffee · Coffee4 min
- Winn Dixie · Groceries7 min
- Villages of Amelia · Shopping7 min
- VITAS Healthcare · Health7 min
- Melton O. Nelson Memorial Park · Parks10 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Amelia Bay Estates with Momentum Realty’s local guides.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Yulee Primary School · PreK-2
- Yulee Elementary SchoolFLDOE grade A · 3-5
- Yulee Middle SchoolFLDOE grade A · 6-8
- Yulee High SchoolFLDOE grade A · 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year 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 Amelia Bay Estates address.
The Amelia Bay Estates buying strategy.
If we were buying in Amelia Bay Estates 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 Amelia Bay Estates.
Large lots, thin inventory
At $265.01 per square foot on a $640,000 median, the per-square-foot number is what tells the real story here — it's a moderate rate applied to a large home, not a premium rate applied to a small one. With a median build year of 2020 and a range running from 2006 to 2024, buyers are largely looking at newer construction, which shifts the diligence conversation away from 'what needs replacing' and toward confirming builder, warranty status, and any post-certificate-of-occupancy work.
The ownership picture is worth sitting with: only 39.5% of homes here carry a homestead exemption, meaning a majority of the 21 homes are not owner-occupied primary residences. That mix — likely a blend of second homes and investment holds — is common in gated, larger-lot communities near the coast, but it also means HOA rules on leasing and guest access matter more here than in a typical owner-occupied subdivision. Security Gate is the amenity on record; confirm current gate operation, access protocols, and any other amenities directly with the HOA, since MLS-reported amenities can lag what's actually in place.
The location and the amenities are priced into every listing in Amelia Bay Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only 21 homes and a single active listing at any given time, Amelia Bay Estates is not a community where you can lean on a big comparable set — pricing and negotiating leverage come from tracking closings as they happen and knowing how the buyer-leaning market band and 84-day median time on market actually play out deal by deal. Momentum works this kind of low-volume, higher-value community by verifying HOA specifics — gate access, leasing rules, amenity status — before a buyer or seller commits, rather than relying on what's listed in the MLS record.
Amelia Bay Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Amelia Bay Estates 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 Amelia Bay Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Amelia Bay Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Amelia Bay Estates home worth?
Get a no-obligation home value based on real comparable sales in Amelia Bay Estates, 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 →
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.
26% 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 (2026-10-01).
Price History: What Homes Here Have Actually Sold For
Median sale prices in Amelia Bay Estates Fernandina Beach year by year since 2019, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
How many homes are in Amelia Bay Estates?
What share of Amelia Bay Estates is owner-occupied?
When were the homes in Amelia Bay Estates built?
What schools serve Amelia Bay Estates?
Who is the best real estate agent for Amelia Bay Estates?
How do I find a top Fernandina Beach real estate agent who knows Amelia Bay Estates?
Can Momentum Realty connect me with an agent for Amelia Bay Estates?
Where is Amelia Bay Estates, and what county is it in?
How far is Amelia Bay Estates from downtown Jacksonville and the beach?
Should you buy in Amelia Bay Estates?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2009 (14 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?
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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.
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