Amelia Lakes
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Amelia Lakes is a small, single-vintage community in Fernandina Beach — every recorded home was built in 2000 — with a median living area of 1,143 square feet. The median sale price sits at $182,000, translating to $208.44 per square foot, and that figure is down 24.2% year over year. With only 5 homes in the community, a handful of sales can swing the median hard, so treat any single data point here as directional rather than definitive.
Momentum's tracking puts this pocket in a seller-leaning band, with 2.7 months of supply and just 2 active listings against 9 closings recorded in the tracking window — turnover that outpaces the small home count and points to a market where units change hands more than once during the period. Days on market run to 72, and the market heat score sits at 22, a combination that suggests sellers still have some leverage while buyers are not chasing every listing the day it hits the market.
Amelia Lakes right now
🟡 Balanced market. 1.3 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 5, 2026. Confidence: Medium (1 active and pending listings, 9 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($182K) is down 24.2% from the prior 12 months ($240K). 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 August 5. Confidence: Medium (9 and 6 sales in the two windows).
What's unique here: the median sale price is about 60% below the typical Nassau County sale ($182K vs $450K, trailing 12 months, realMLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 5, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Amelia Lakes market snapshot (as of August 5, 2026): the median sale price is about $182K ($208 per sq ft over the trailing 12 months of closed sales), a median 72 days on market for closed sales, and 1.3 months of supply, a balanced market. The trailing-12-month median is down 24% from the prior 12 months, computed from record-level realMLS closed sales (9 closings in the current window).
Amelia Lakes is a community of 5 homes in Fernandina Beach, Nassau County, built between 2000 and 2000 (median 2000), with a median living area of about 1,143 square feet. 40% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Amelia Lakes pairs a gated, amenity-heavy HOA package — pool, clubhouse, fitness center, tennis courts, key card entry — with one of the smallest, most tightly built inventories Momentum tracks in Nassau County, since every home here was built in 2000.
The setting & the homes.
Aerial and on-site photos of Amelia Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Amelia LakesPhotos from realMLS listings in Amelia Lakes; content deemed reliable but not guaranteed.
Who Amelia Lakes is best for.
Best for
- A buyer targeting a gated, amenity-rich home near $182,000 who does not need a large floor plan.
- An investor comfortable with a thin resale pool who wants HOA-covered water, trash, and grounds maintenance.
- A buyer prioritizing amenities — pool, fitness center, tennis, on-site management — over square footage, given the median runs 1,143 square feet.
Probably not for
- A buyer who wants a wide selection to compare — active inventory here is typically limited to a couple of listings.
- A buyer who needs more than roughly 1,143 square feet of living space.
- A buyer uncomfortable with a market where the median price moved 24.2% in a single year.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 5 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($182K) IS the median in the snapshot above, and the move from 2025 ($240K) IS the -24.2% one-year change.
Windows contain 2 to 9 sales each (9 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.
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.
Amelia Lakes Market Scorecard
Amelia Lakes is currently a seller's market. About 2.7 months of supply, a median asking price of $252,500, and homes go under contract in about 114 days.
Typical home value in the 32034 ZIP is $617,903, about 26.4% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Amelia Lakes, 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.
Homes For Sale Right Now in Amelia Lakes
Live MLS inventory for Amelia Lakes. 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 Lakes listings as of 2026-08-05, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Amelia Lakes 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, tiles © CARTO.
Life at Amelia Lakes
- Gated · reported on 9 of 9 listings
- Tennis Court(s) · reported on 9 of 9 listings
- Pool · reported on 9 of 9 listings
- Clubhouse · reported on 7 of 9 listings
- Fitness Center · reported on 7 of 9 listings
- Playground · reported on 7 of 9 listings
- Security Gate · reported on 6 of 9 listings
- Car Wash Area · reported on 6 of 9 listings
- Trash · reported on 4 of 9 listings
- Maintenance Grounds · reported on 4 of 9 listings
- Water · reported on 3 of 9 listings
- Key Card Entry · reported on 2 of 9 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 Lakes are close: the nearest dining is about 1 minutes away.
- Gator's Dockside Yulee · Dining1 min
- Publix · Groceries2 min
- Amelia Concourse · Shopping2 min
- Starbucks · Coffee4 min
- Melton O. Nelson Memorial Park · Parks5 min
- VITAS Healthcare · Health10 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Emma Love Hardee ElementaryFLDOE grade A · Elementary (verify zoning)
- Fernandina Beach Middle SchoolFLDOE grade A · 6-8 (verify zoning)
- Fernandina Beach High SchoolFLDOE grade A · 9-12 (verify zoning)
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 Lakes address.
The Amelia Lakes buying strategy.
If we were buying in Amelia Lakes 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 Lakes.
The Amenity Package Against a Thin Resale Pool
The HOA here covers ground many Nassau County communities charge separately for: pool, clubhouse, fitness center, tennis courts, playground, car wash area, and on-site management, plus water, trash, and grounds maintenance folded into dues, with security gate and key card access. That is a dense amenity list for a community of just 5 homes, and current access and fee structure are worth confirming directly with the HOA since MLS-reported amenities can lag reality.
About 40% of homes here carry a homestead exemption, meaning full-time occupancy and investment or second-home ownership are both represented in the resale pool. With a median price of $182,000 and price per square foot at $208.44, value is driven less by size — the median unit runs 1,143 square feet — and more by condition, HOA standing, and how closely the small number of listings is being watched.
The location and the amenities are priced into every listing in Amelia Lakes. 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 Amelia Lakes 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 4 factors (3.7). Basis: Recent Direction -24.2% year-over-year; Liquidity & Demand 1.3 months of supply; Owner Commitment 40% owner-occupied; Pricing Power 88.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 5 homes and 2 active listings, Amelia Lakes does not generate enough volume for a generic market read. Momentum tracks this pocket closing by closing, so when a unit lists, we already know what the recent sales at $208.44 per square foot and 72 days on market actually mean for pricing and negotiating room.
Amelia Lakes in 15 seconds.
HOA, CDD & Fees
- No CDD
- Mandatory HOA — confirm current dues
- 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.
Page states no CDD.
Tools for a Amelia Lakes 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 Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Amelia Lakes, 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 Lakes home worth?
Get a no-obligation home value based on real comparable sales in Amelia Lakes, 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 Amelia Lakes on the map →
Frequently Asked Questions
What is the median home price in Amelia Lakes?
How long do homes in Amelia Lakes take to sell?
Is Amelia Lakes a buyer's or seller's market right now?
How many homes are in Amelia Lakes?
What share of Amelia Lakes is owner-occupied?
When were the homes in Amelia Lakes built?
Do cash buyers compete in Amelia Lakes?
What schools serve Amelia Lakes?
Who is the best real estate agent for Amelia Lakes?
How do I find a top Fernandina Beach real estate agent who knows Amelia Lakes?
Can Momentum Realty connect me with an agent for Amelia Lakes?
Should you buy in Amelia Lakes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Amelia Lakes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 5, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 5, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (5 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2005 (102 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?
You just read the data. Now see what your home is worth.
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 your area comps.
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