Amelia Riverwalk
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 via realMLS
Homes listed or recently sold were built 2007–2018; 3 of 3 report an HOA (median $72/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). Amelia Riverwalk is a community in Fernandina Beach, Nassau County, FL (ZIP 32034). 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).
Last 30 days in Amelia Riverwalk: 1 new listing (median asking $749,000), 1 under contract right now, 1 closed sale (median $780,000). As of October 2, 2026, realMLS.
The headline number in Amelia Riverwalk is the one that is missing: there is no CDD. Across Nassau County's newer master-planned inventory — Wildlight's villages, Tributary, Amelia Walk — a community development district bond is a normal part of the carrying cost, and it can add materially to the monthly payment for decades. Amelia Riverwalk is marketed as CDD-free with low HOA dues. On a like-for-like payment comparison that gap can be worth more than a modest difference in purchase price, and it is the first thing a buyer should model.
The homesites are the second differentiator. Emerald Homes markets oversized lots, many backing to lakes or to the marsh. In a county where production communities have compressed toward narrower lots to hold price points, an oversized homesite with a water or marsh view is a durable resale attribute — it is the part of the property a future builder cannot replicate down the street.
Product is Key West and Coastal exterior styling with side-load garage options and bonus rooms available. Emerald Homes is D.R. Horton's upper-tier brand, so expect a more finished specification than the core D.R. Horton line while still operating on a production-builder timeline rather than a full-custom one. That is a reasonable middle position for a buyer who wants delivery certainty with better standard finishes.
One flag we want on the record: at least one third-party directory lists Amelia Riverwalk as a 55+ active-adult community. Builder marketing does not describe it that way, and we could not corroborate an age restriction. We are treating it as all-ages and unverified. If age restriction matters to your purchase in either direction, get it confirmed from the recorded declaration, not from a listing aggregator.
HOA dues, the exact lot-size range and the current price band were not published in materials we could verify as of July 2026. Ask for the current price sheet and the HOA budget before you underwrite.
Nearby homes for sale
No active listings inside Amelia Riverwalk right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Amelia Riverwalk is a gated Emerald Homes community on the Fernandina Beach mainland with oversized lake- and marsh-view homesites, no CDD, and a low HOA — a rare combination in a Nassau new-construction market where CDD assessments are close to standard.
realMLS (Northeast Florida) sales records identify 49 homes in Amelia Riverwalk that have changed hands since 2017, built between 2007 and 2019 (median 2017), with a median living area of about 2,685 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.
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 market around Amelia Riverwalk
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 Riverwalk specifically. Momentum Research analysis of MLS records.
Who Amelia Riverwalk is best for.
Best for
- Buyers optimizing for total monthly cost who want to avoid a decades-long CDD assessment
- Buyers who want an oversized homesite with a lake or marsh view and a gate at the entrance
- Buyers who want upper-tier production-builder finishes with a predictable delivery timeline
Probably not for
- Buyers who will regularly use a clubhouse, fitness center, pool and trail network and want those inside the community
- Buyers who want an Amelia Island address with walk or bike access to the beach and historic downtown
- Buyers who require a confirmed age-restricted community, since the age restriction here is unverified
- Buyers who need deep resale comparables, which a small gated community cannot provide
Housing distress & ownership in Amelia Riverwalk, 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 Riverwalk
Live MLS inventory for Amelia Riverwalk. 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 Riverwalk listings as of 2026-09-26, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Every Home for Sale in Amelia Riverwalk Fernandina Beach Right Now (2)
All 2 active and pending Amelia Riverwalk Fernandina Beach listings with a detail page, newest first, refreshed twice a day from the MLS.
- 96067 Oak Canopy Lane · $749,000 · 4 bd / 3 ba · listed Sep 25, 2026 · listed by Summer House Realty
- 96452 Grande Oaks Lane · $675,000 · 4 bd / 2 ba · pending · listed Sep 4, 2026 · listed by Summer House Realty
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Southside · Elementary
- Fernandina Beach · Middle
- Fernandina Beach · High
Zoned schools reflect the assignments reported on recent Amelia Riverwalk listings 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 Riverwalk address.
Shop the zone: Homes zoned for Southside Elementary School · Homes zoned for Emma Love Hardee Elementary School · Homes zoned for Fernandina Beach Middle School · Homes zoned for Fernandina Beach High School
The Amelia Riverwalk buying strategy.
If we were buying in Amelia Riverwalk 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 Riverwalk.
The no-CDD arithmetic in a CDD county
Community development districts are how most of Nassau County's recent growth financed its roads, drainage and amenities. The mechanism is legitimate and the amenities are real, but the assessment is a separate line item from the HOA, it is typically attached to the tax bill, and the bond portion runs for decades. Buyers comparing a home in a CDD community to one in Amelia Riverwalk on sticker price alone are not comparing the same monthly obligation.
The honest counterweight: a CDD usually buys something. Wildlight and Tributary residents get substantial shared amenity programs funded by those assessments. Amelia Riverwalk's amenity offering is lighter — the value proposition is the gate, the lot, and the lower fixed cost, not a resort deck. Buyers who will actually use a pool, fitness center and trail network several times a week may find the CDD community is the better dollar. Buyers who would rarely use them are subsidizing someone else's amenity.
Location is mainland Fernandina Beach, off the island. That is the standard trade in this price tier: island addresses carry a land premium and, in the historic districts, older housing stock. The mainland corridor gives newer construction, larger lots and easier access to the SR-200 retail spine and I-95, at the cost of a drive to the beach rather than a walk.
Lake and marsh frontage is worth separating in underwriting. Marsh-front lots on the Nassau side carry views that are effectively protected by the wetland itself — that is a genuine scarcity attribute. They also carry the practical realities of marsh adjacency, including insect pressure and, depending on elevation, flood-zone considerations. Pull the elevation certificate and flood determination for any specific homesite before assuming an insurance number.
Because the community is gated and relatively small, resale supply is thin by construction. That cuts both ways: fewer competing listings when you sell, but also fewer comparables when you or an appraiser need to establish value.
The location and the amenities are priced into every listing in Amelia Riverwalk. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We model the full monthly obligation, not the sticker price. In a county where most competing communities carry a CDD and this one does not, that comparison is the single most valuable thing an agent can put in front of you — and it frequently changes which community wins.
We will also confirm the two open items before you commit: whether any age restriction exists in the recorded declaration, and the current HOA budget and dues. And on a marsh-front homesite we pull the flood determination and elevation certificate first, because the insurance figure can move the payment more than the lot premium did.
Amelia Riverwalk in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $82/month (about $984/yr) · median of 16 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $82 per month ($984 a year) — the median AssociationFee across 16 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Riverwalk 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 Riverwalk sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Amelia Riverwalk, 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 Riverwalk home worth?
Get a no-obligation home value based on real comparable sales in Amelia Riverwalk, 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 →
Should you buy in Amelia Riverwalk?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 26, 2026) |
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 local comps.
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Common questions about Amelia Riverwalk
Where is Amelia Riverwalk?
Amelia Riverwalk is a community in Fernandina Beach, Nassau County, Florida, ZIP 32034.
Are there homes for sale in Amelia Riverwalk right now?
No active listings inside Amelia Riverwalk at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Amelia Riverwalk have an HOA or CDD?
No HOA is on record for Amelia Riverwalk in our data, and no CDD is reported. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Grande Oaks Lane (46 homes on record)
Nearby Communities
Explore more neighborhoods near Amelia Riverwalk with Momentum Realty’s local guides.
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.