Amelia Lakes in Fernandina Beach

Amelia Lakes Homes for Sale in Amelia Concourse corridor, FL

Gated lakefront condominium community (est. ~2000) · Mainland Fernandina Beach · ZIP 32034

The attainable Nassau door: a gated lakefront condo community minutes from the bridge to Amelia Island.

Gated, lakefrontPool, fitness, tennisNo CDD
Live Market Pulse
52/100
Momentum
Buyer-Leaning Market (limited data)
A thin, attainability-driven condo market where the building, the floor, and the owned-versus-rental mix set value; price each unit on its condition and the association's health.
Free · No obligation
Unlock Off-Market Amelia Lakes

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
$182K
Median Price
2.7mo
Supply
105days
Avg DOM
Soft
Seller Leverage
$208/sf
Median $/Sqft
-9%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Amelia Lakes is the lowest practical entry to a Fernandina Beach address: gated condo units around a lake on Paradise Commons off SR-200, minutes from the bridge onto Amelia Island, with a pool, fitness center, tennis, and a renovated clubhouse, and no CDD. The defining fact to understand is the structure: the complex contains both individually owned condominiums and a professionally managed rental apartment component, which shapes lender condo-project review, owner-occupancy math, and daily life. The read on any unit is the building, the floor, the renovation level, and the association's health, not just the sticker, and the buyers who win get the ownership and rental figures in writing first."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Amelia Lakes market snapshot (as of June 25, 2026): the median sale price is about $182K ($208 per sq ft), with homes averaging 105 days on market and 2.7 months of supply, a buyer-leaning market (limited data). Values are down 9% over the past year and up 26% since 2021, based on 9 recent closings in live realMLS data.

Amelia Lakes was built around 2000 as a gated lakefront community on Paradise Commons, off SR-200 between Yulee and the island bridge, in the corridor that has since filled in around Amelia Concourse. The bones are practical: two-story buildings arranged around a central lake, breezeway access, and apartment-efficient floor plans from one-bedrooms near 806 sq ft through two-bedrooms to three-bedrooms near 1,435 sq ft. The product is honest about what it is: compact, rentable, livable plans where the value sits in the gate, the water, the amenity deck, and above all the price, not in the finishes.

The single most important thing to understand before touring: the complex operates with two populations. A portion of the units are individually owned condominiums that trade on the open market; another portion operates as a managed rental community marketed as Amelia Lakes Luxury Condominiums apartments. Listings, portals, and even signage blur the two constantly. When you buy here, you are buying an owned condo unit inside that larger complex, which means the rental component is part of your daily environment and part of your lender conversation. Ask the association and the listing agent to spell out, in writing, which buildings and units sit in which bucket, the current owner-occupancy figures, and how the shared amenities and gate are governed between the two.

Best for

  • Buyers who want a gated Fernandina Beach address at the lowest entry
  • First-time buyers and investors who want a lakefront condo
  • Commuters who want SR-200 to I-95 without bridge traffic
  • Right-sizers who want lock-and-leave near Amelia Island

Probably not for

  • Buyers who want the island itself rather than the mainland
  • Buyers who want a single-family home or a yard
  • Buyers uncomfortable with a mixed owned-and-rental complex
  • Buyers who want a short-term-rental resort condo

How Amelia Lakes is performing right now

52/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
2.7Months of supplytight
105Median days on marketdays
0 : 2Under contract vs for salestrong demand
9Sold in last 12 monthsliquidity
+26%Median price since 2021appreciation
+7%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Amelia Lakes listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Amelia Lakes buys, holds, and resells. See the five factors.

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 2026-06-25, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Bridge to Amelia Island (Shave Bridge)About 8 to 10 minutes
Historic downtown Fernandina (Centre Street)About 15 minutes
Yulee retail corridor (groceries, big-box)About 5 to 10 minutes
I-95 interchange at SR-200About 10 to 12 minutes
Jacksonville International AirportAbout 25 to 30 minutes
Downtown JacksonvilleAbout 40 to 45 minutes

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Amelia Lakes (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Nassau County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Amelia Lakes is served by Nassau County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Elementary (verify zoning)

Emma Love Hardee Elementary

6-8 (verify zoning)

Fernandina Beach Middle School

9-12 (verify zoning)

Fernandina Beach High School

Private PreK-8

St. Michael Academy

Buying with schools in mind? We can confirm the exact zoned schools for any Amelia Lakes address.

The takeaway

What is actually shaping value around Amelia Lakes: steady Nassau County growth, the build-out of the Amelia Concourse and SR-200 corridor, and the enduring demand for an attainable Fernandina Beach address. The county development item is sourced and linked.

Recent Developments in Amelia Lakes

Our read on what is being built around Amelia Lakes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishCounty growth and corridor retail point demand up; the watch items are the association's reserves and the owned-versus-rental structure under current Florida condo rules.

Nassau County growth and investment

2025
BullishNotable impact
SignificanceRadius: County

Continued residential and commercial growth across Nassau supports demand for attainable mainland addresses near the island.

Amelia Concourse and SR-200 corridor build-out

Ongoing
BullishNotable impact
SignificanceRadius: Corridor

New retail and rooftops along the corridor improve everyday convenience near Amelia Lakes.

Lowest gated entry to a Fernandina Beach address

Ongoing
BullishMajor impact
SignificanceRadius: Area

An attainable gated condo minutes from the island bridge keeps demand steady from workforce and first-time buyers.

Owned-and-rental complex structure

Ongoing
NeutralMajor impact
SignificanceRadius: Community

The mix of owned condos and managed rentals shapes lender review and owner-occupancy; verify the structure in writing.

No CDD, condo-fee carrying structure

Ongoing
BullishNotable impact
SignificanceRadius: Community

No CDD keeps the public carrying cost simple; the condo fee, reserves, and insurance are the variables to underwrite.

Florida condo reserve and insurance rules

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Current reserve and structural rules make the association's budget and master insurance central diligence on a ~2000-built community.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Amelia Lakes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. December 2025
    Growth

    Nassau County regional development update

    Year-end regional reporting outlined continued growth and investment across Nassau County, including the Yulee corridor and broader island-area demand. Why it matters: Sustained county growth supports demand for attainable mainland addresses like Amelia Lakes. Source

Development alerts for Amelia LakesGet a short monthly email when something new is approved, funded, or opens near Amelia Lakes.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Amelia Lakes, this is the order of operations we would run, and the one we run for our clients.

1

Get the condo documents first. The budget, reserves, and any pending assessment are the real diligence here.

2

Pin down the ownership structure in writing, which buildings and units are owned versus the managed rental component, and the current owner-occupancy figures.

3

Have the lender condo-project conversation early, since small units in a mixed owned-and-rental project draw the tightest scrutiny.

4

Confirm the fee, what it covers, and the master insurance, then read the all-in monthly.

5

Underwrite the unit's building, floor, and view, and price it on its own condition.

Best Buy
An updated lake-facing unit in a building with healthy reserves and clear ownership status
Biggest Risk
An underfunded association or an unfavorable lender condo-project review
Best Lot
A lake-facing position and a quieter building over an interior or road-adjacent unit
Smart Timing
Move when a well-documented owned unit lists; the attainable Nassau entry stays in demand
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Product

Condominium units, 1BR to 3BR, roughly 806 to 1,435 sq ft, in two-story buildings around a central lake

Built

Around 2000; verify the year on the specific building

Structure

Individually owned condos alongside a managed rental apartment component; verify which is which

Status

Resale; gated, with a renovated clubhouse and amenity deck

Costs & Fees

Condo fee

Covers the lake, grounds, pool, fitness, tennis, and exterior upkeep; confirm the current amount, inclusions, and reserves

CDD

None

Insurance

Association master policy plus your HO-6 unit policy; review the master terms

Amenities

Pool and fitness

Heated community pool and fitness center

Courts

Tennis court on site

Clubhouse

Renovated community clubhouse

Setting

Gated and lakefront on Paradise Commons off SR-200

Location

Setting

Mainland Fernandina Beach 32034, off SR-200 (A1A)

Amelia Island

Minutes across the bridge to the island and its beaches

I-95

A short drive west via SR-200

Yulee retail

Nearby along the SR-200 corridor

The Homes & Style

The working number: four active listings averaging about $227,250 (bradofficer.com, June 2026), which frames a band running from the high $100s for the smallest plans into the high $200s for the largest and best-positioned units. That is a snapshot from a thin market; price off the most recent closed sales for your exact plan, not the average, because the average blends three very different unit types.

The buyer pool is broad for the price: island and hospital workforce households priced off Amelia Island, first-time buyers who want Nassau County at a condo sticker, downsizers banking the spread from a detached sale, and long-term-rental investors who like the tenant demand the corridor generates. Demand is steady; the gating factor on any given deal is lender condo-project eligibility, not interest.

The honest comparison is all-in monthly, not sticker: price, current condo dues, the reserve trajectory, master insurance treatment, and any assessment exposure, run against the corridor alternatives like Nassau Lakes and the newer Amelia Concourse product. A low sticker over an underfunded reserve schedule is the more expensive unit; the documents decide which discount is real.

One gated complex, three plan buyers, and an ownership structure that demands precision. Pricing below comes from third-party brokerage sources with dates attached; a community like this trades thin per plan, so verify against the latest closed sales for your exact unit type.

Around 806 sq ft, and among the cheapest ways to own anything with a Fernandina Beach address. They draw first-time buyers and investors alike, which is exactly why financing diligence matters most here: small units in mixed condo-rental projects get the tightest lender scrutiny, so have the condo-review conversation before you fall for the sticker.

The middle plans carry the volume: roommate-friendly, family-startable, and rentable, the configuration both owner-occupants and investors want, which keeps their resale liquidity the healthiest in the community. With recent actives averaging about $227,250 community-wide (bradofficer.com, June 2026), most two-bedroom asks land near that center.

Up to roughly 1,435 sq ft, the largest plans and the scarcest. A three-bedroom anywhere in 32034 at this price band is essentially unrepeatable, and these units move on that math when they surface. Lake-facing positions add a premium worth paying only if the documents check out first.

Living Here

A genuine amenity deck for 230 units, anchored by the lake and funded by the condo dues.

The community is built around its water: lakefront buildings, water views from a meaningful share of units, and the visual breathing room that separates this from a standard parking-lot condo complex. Lake-facing units carry a premium; decide what the view is worth to you before the tour decides for you.

A community pool, a fitness room, and a clubhouse that has been renovated, which matters: amenity reinvestment is a direct read on association and management health. Verify current condition, hours, and access rules on your tour, including how access works between the owned and rental sides.

A tennis court and controlled gated entry, both uncommon anywhere near this price band in Nassau County. The gate is a convenience and a filter, not a security guarantee; treat it as the former.

SR-200 does the rest of the amenity work: Yulee groceries, pharmacies, and big-box retail minutes west, the bridge to Amelia Island about ten minutes east, and the I-95 interchange in easy reach. The location funds a lifestyle the dues never have to.

The Yulee SR-200 corridor handles everything close in: groceries, pharmacies, big-box anchors, and a fast-growing restaurant strip within five to ten minutes. Centre Street in downtown Fernandina covers the dining and independent retail run about fifteen minutes out, and the River City Marketplace cluster near the airport is roughly twenty-five minutes for the bigger trips.

Search Amelia Lakes and you will find both resale condo listings and the Amelia Lakes Luxury Condominiums apartment community advertising rentals, because both exist inside the same gate. Portals blend them constantly, and rental-site photos can set expectations the resale product does not match. Anchor every comp and every document to the specific unit address on Paradise Commons or Bahama Point, and confirm it is an individually owned unit before you spend a dollar on diligence.

Florida's post-Surfside milestone-inspection mandate targets condo buildings three stories and higher, with the heaviest costs landing on older coastal towers. Amelia Lakes is low-rise, which keeps it outside that net and helps the fee math stay saner than island high-rise product. The reserve study for roofs, paint, paving, and the clubhouse still matters on a community built around 2000; read it.

The Amelia Concourse and SR-200 corridor has filled with new single-family and amenity communities since this complex was built, pulling retail, schools investment, and buyer attention to the mainland side of 32034. A 2000-built condo community at the lowest price point in an improving corridor is a defensible value position, provided the association keeps the documents and the buildings healthy. That proviso is the whole game.

Before You Offer

Nassau County is coastal, so on-island and marsh-adjacent homes carry more flood exposure than off-island inland communities; the Nassau County FEMA maps are the reference for any specific address.

The reliable move is to pull the FEMA flood designation for the exact Amelia Lakes address before you write an offer, since two homes in the same area can fall in different zones. A home in Zone X can cost far less to insure than one near water in Zone AE. Get a bindable flood and homeowners quote during your inspection period, so the cost is in your monthly math before you commit, not after.

The Yulee and Nassau corridor is served by AT&T and Xfinity (Comcast), with fiber expanding and the Wildlight area marketing gigabit service. If working from home matters, confirm the options, and fiber in particular, at the specific Amelia Lakes address rather than assuming.

Nassau County carries a lower effective property-tax rate than much of the metro, with a median effective rate near 0.98 percent, below the Florida median of about 1.10 percent. The Florida homestead exemption for 2026 is 51,411 dollars for those who qualify, and the deadline to file a new homestead exemption is March 1.

The trap to plan for is the post-sale reset: when you buy, the Save Our Homes cap from the previous owner ends and the assessed value resets to the new just value, so your second-year tax bill is often higher than the seller current one. Budget the true number, and confirm whether the specific home carries a CDD or other assessment that is billed separately from the millage and is not reduced by the homestead exemption.

How Amelia Lakes Compares

The realistic cross-shop for an Amelia Lakes buyer is other attainable Nassau options, not the island itself:

OptionTypeThe honest one-liner
Amelia ConcourseSingle-family corridorThe detached, newer-build comparison along the same SR-200 corridor, at a higher entry.
Nassau LakesNewer communityA newer Nassau community nearby; compare the carrying cost and the product against the condo.
Amelia ParkWalkable new-urbanistA higher-priced, walkable neighbor closer to the island feel.

Amelia Lakes wins on price and the gated, lakefront amenity deck at the lowest practical entry to a Fernandina Beach address. It concedes the detached-home options and asks buyers to underwrite the owned-versus-rental structure and the association. If a yard or the island itself is non-negotiable, shop the comparisons and pay for them.

Who It Fits

Amelia Lakes fits if you want

  • A gated Fernandina Beach address at the lowest entry
  • A lakefront condo with pool, fitness, and tennis
  • Lock-and-leave living minutes from the island bridge
  • SR-200 access to I-95 without bridge traffic
  • No CDD and a simple carrying structure

Consider elsewhere if you want

  • The island itself rather than the mainland
  • A single-family home or a private yard
  • An owner-occupant-only building with no rental component
  • A short-term-rental resort condo
  • Brand-new construction
The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry
$167K to $180K

The one-bedroom units near 806 square feet, among the cheapest ways to own a Fernandina Beach address, where lender diligence matters most.

Lowest entry
The Core
$180K to $230K

The two-bedroom plans, the configuration both owner-occupants and investors want, which keeps their resale liquidity the healthiest here.

Most inventory
The Top
$230K to $285K

The largest three-bedroom units up to about 1,435 square feet, especially lake-facing, which command the top of the community.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$167K to $180K
The Entry
The one-bedroom units near 806 square feet, among the cheapest ways to own a Fernandina Beach address, where lender diligence matters most.
$180K to $230K
The Core
The two-bedroom plans, the configuration both owner-occupants and investors want, which keeps their resale liquidity the healthiest here.
$230K to $285K
The Top
The largest three-bedroom units up to about 1,435 square feet, especially lake-facing, which command the top of the community.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Lowest gated entry to a Fernandina Beach addressStrong
Real amenity deck and lakefront settingPositive
No CDD, SR-200 to I-95 accessPositive
Mixed owned-and-rental structureManage it
Lender condo-project review on small unitsManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Amelia Lakes

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The gate, the lake, and the price come with the address. The deal is won on the building, the ownership status, and the all-in monthly.

Jon Brooks · Founder, Momentum Realty
7.2B · Buy Score
Resale Strength7.0/10
Renovation Risk6.6/10
Location Efficiency8.2/10
Long-Term Defensibility7.0/10
Carrying Cost Advantage7.8/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Amelia Lakes is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium

Fill = price per square foot; ring = by realized $/sqft per unit. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take
  • Lake-facing units hold value best
  • The building and its reserves matter as much as the unit
  • Owner-occupied buildings finance more easily
  • Position cannot be changed, finishes can
  • Read the association's reserves before the finishes

In a condominium community, the durable part of your money is position and the building, not finishes. Lake-facing units, quieter buildings, and a strong owner-occupancy mix command and hold value over interior or rental-heavy positions. Because the complex blends owned condos and managed rentals, read the ownership structure, the building's reserves, and the lender condo-project picture first, then price the interior condition against it.

Amelia Lakes in 15 seconds.

Best forBuyers who want a gated Fernandina Beach address at the lowest practical entry.
Biggest advantageThe attainable Nassau door: a gated lakefront condo with real amenities and no CDD.
Biggest riskThe owned-versus-rental mix and the lender condo-project review it drives.
Sweet spotAn updated lake-facing unit in a building with healthy reserves.
Avoid ifYou want the island itself, a single-family home, or an owner-only building.

Fees, the Owned vs. Rental Mix & Insurance

15-Second Take
  • Fee covers lake, pool, fitness, tennis, exterior
  • No CDD; the fee and insurance are the costs
  • Mixed owned condos and managed rentals, verify the split
  • Lender condo-project review is the key diligence
  • Read the all-in monthly, not just the list price

A condominium association fee covers the lake, grounds, pool, fitness, tennis, and exterior upkeep; confirm the current amount, inclusions, and reserves. There is no CDD. Because the complex mixes owned condos with a managed rental component, ask the association to spell out the structure and owner-occupancy figures in writing.

Grounds and lake maintenance, the pool, fitness center, tennis court, renovated clubhouse, and building exterior upkeep, funded through the fee. The master policy covers the building shell; your HO-6 covers the interior and contents.

Amenities are funded through the association and included for residents; there is no separate country club. The pool, fitness center, tennis court, and renovated clubhouse are the amenity package.

AmenitiesPool, fitness, tennis, clubhouseA renovated clubhouse anchors the amenity deck for the 230-unit community.
SettingGated, lakefrontTwo-story buildings around a central lake on Paradise Commons and Bahama Point off SR-200.
StructureOwned + managed rentalsIndividually owned condos alongside a managed rental apartment component; verify which is which.
Electric & waterConfirm by addressFernandina Beach / Nassau County service area; verify for the exact unit.
CDDNoneNo Community Development District assessment on this property.
The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Amelia Lakes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Amelia Concourse, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Amelia Lakes home worth?

Get a no-obligation home value based on real comparable sales in Amelia Lakes matched to your condition, lot, and view, 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 →
Or get your Amelia Lakes home value & selling guide →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Amelia Lakes year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

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.

$2,544/mo
Nassau County typical true cost to own
$97/mo
Nassau County typical home insurance
No CDD
No community development district bond

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.

How much local inventory is already under contract

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 (2026-06-28).

Amelia Lakes Market Scorecard

Seller's market

Amelia Lakes is currently a seller's market. About 2.7 months of supply, a median asking price of $254,000, and homes go under contract in about 106 days.

2.7
Months supply
$254,000
Median list
$182,000
Median sold
$222
Per sqft
106
Days on mkt
2/0/9
Active/Pend/Sold

Typical home value in the 32034 ZIP is $613,375, about 26.2% 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.

Frequently Asked Questions

What is Amelia Lakes?
A gated lakefront condominium community of about 230 units in two-story buildings on Paradise Commons and Bahama Point, off SR-200 in mainland Fernandina Beach 32034, built around 2000, with one- to three-bedroom plans of roughly 806 to 1,435 sq ft, a community pool, fitness center, tennis court, and a renovated clubhouse. The complex also contains a separately operated rental apartment component.
How much do condos in Amelia Lakes cost?
Recent pricing shows four active listings averaging about $227,250 (bradofficer.com, June 2026), framing a band from the high $100s for the smallest plans into the high $200s for the largest and lake-facing units. The market trades thin per floor plan, so verify against the latest closed sales for your exact unit type rather than the community average.
Is Amelia Lakes on Amelia Island?
No. It sits on the mainland side of Fernandina Beach, off SR-200, about eight to ten minutes from the bridge onto the island. You trade the island address for a far lower entry price, faster access to Yulee retail and I-95, and no bridge-dependent commute. Buyers who need the island lifestyle at their door are shopping a different product.
What is the difference between the condos and the apartments at Amelia Lakes?
The gated complex contains both individually owned condominium units that trade on the open market and a professionally managed rental community marketed as Amelia Lakes Luxury Condominiums apartments. When you buy, you are buying an owned condo unit inside that larger complex. Confirm in writing which buildings and units sit in which bucket, and how the gate and shared amenities are governed between them.
Does the rental component affect financing?
It can, and it is the first conversation to have. Conventional and FHA condo-project review looks at owner-occupancy ratios, the association budget, reserves, insurance, and litigation, and a mixed condo-rental complex draws closer scrutiny. Ask on day one whether the project has recent lender approvals, get the ownership mix in writing, and if you are paying cash, run the same review anyway, because your future buyer's lender will.
When was Amelia Lakes built?
Around 2000, with two-story buildings arranged around the central lake; verify the exact year on the specific building. That vintage drives the practical diligence list: roof and exterior maintenance history, HVAC and water heater age, and the reserve schedule that funds the next round of big-ticket work.
What does the condo fee cover and how much is it?
Condo dues in communities like this typically carry building exteriors, roofs, grounds, the amenity package, master insurance, and reserves, with owners covering interiors and an HO-6 policy. We have not found a reliably published current fee figure to cite, so confirm the amount, what it covers, and the assessment history directly with the association before you write an offer.
Is there a CDD at Amelia Lakes?
No. The recurring cost story is the condo fee plus taxes and your HO-6 policy, which makes the all-in monthly comparison against newer corridor communities, many of which do carry CDD assessments, a genuinely useful exercise. Run the numbers per community with current documents.
What amenities does the community have?
Gated entry, the central lake, a community pool, a fitness center, a tennis court, and a renovated clubhouse, an amenity deck that is rare anywhere near this price band in Nassau County. Verify current condition, hours, and access rules on your tour, including how amenity access works between the owned and rental portions of the complex.
Are short-term rentals allowed in Amelia Lakes?
This is not a short-term-rental resort, and buyers underwriting nightly-rental income are looking at the wrong product. Long-term rental demand in the corridor is real, but leasing rules, minimum terms, and approval requirements are set by the association and can change, so get the current rules in writing before building any rental plan into your numbers.
What schools serve Amelia Lakes?
The Nassau County School District, with attendance zones set by home address. Zoning along the SR-200 corridor has shifted as the area has grown, so confirm the exact current zoning for the specific unit with the district before you buy rather than relying on listing-page school fields.
How is the location for commuting?
The bridge to Amelia Island runs about eight to ten minutes, downtown Fernandina about fifteen, Yulee retail five to ten, the I-95 interchange ten to twelve, Jacksonville International Airport twenty-five to thirty, and downtown Jacksonville forty to forty-five. SR-200 carries heavy peak traffic, so drive your actual commute window before committing.
What should I know about Florida condo rules before buying here?
Florida tightened condo law after 2021 with milestone structural inspections for buildings three stories and higher and reserve funding requirements statewide. Amelia Lakes is low-rise two-story product, which keeps it outside the milestone-inspection net, but reserve and budget discipline fully apply to a community built around 2000. Pull the budget, reserve information, insurance certificate, and board minutes during your inspection period.
Is Amelia Lakes a good investment?
The case: the lowest practical entry in an appreciating corridor minutes from a supply-constrained island, with steady workforce tenant demand for long-term rentals. The caveats: lender project eligibility in a mixed complex gates your future buyer pool, Florida condo carrying costs are rising statewide, and leasing rules can change. Underwrite off the association documents and current closed comps, not the headline average alone.
Who should I call about Amelia Lakes?
Call Momentum Realty at (904) 351-6461 or use the form on this page, and we will connect you with the right agent.
Do I need my own agent to buy here?
Yes. The wins here are verification: confirming the owned-condo status of the specific unit, the ownership mix and lender project-review picture, the association budget and reserves, the actual fee, the leasing rules, and pricing off thin per-plan comps in a complex whose name also belongs to an apartment community. Your own agent works for you on all of it; the listing side does not.
Who is the best real estate agent for Amelia Lakes?
The best agent for Amelia Lakes is one who actively works Amelia Concourse corridor and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Amelia Lakes.
How do I find a top Amelia Concourse corridor real estate agent who knows Amelia Lakes?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Amelia Lakes and the wider Amelia Concourse corridor area.
Can Momentum Realty connect me with an agent for Amelia Lakes?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Amelia Lakes purchase or sale — no call center and no pressure.
You want a gated Fernandina Beach address at the lowest entryExcellent fit
You want a lakefront condo with a real amenity deckExcellent fit
You want SR-200 to I-95 access without bridge trafficExcellent fit
You will underwrite the ownership structure and reservesExcellent fit
You want the island itself rather than the mainlandProbably not
You want a single-family home or a yardProbably not
You are uncomfortable with a mixed owned-and-rental complexProbably not
You want a short-term-rental resort condoProbably not

Get the inside read on Amelia Lakes

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Amelia Lakes home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

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A Momentum Realty Amelia Lakes specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Amelia Lakes — what to look for, questions to ask, and your local expert.
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.
Amelia Lakes Fernandina Beach median home price history from 2014 to 2026, chart by Momentum Realty
Median sale price in Amelia Lakes Fernandina Beach, Florida by year (2014 to 2026). Source: Momentum Realty.

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