Amelia Riverwalk
Homes for Sale in Fernandina Beach, FL

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.

In ZIP 32034 (Fernandina Beach), 1,033 homes closed in the last 12 months at a median of $441K ($200/sq ft), up 0.4% year over year, with a median 51 days on market. Right now 226 active and 76 pending listings put supply at about 4.8 months — a balanced 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.

• Emma Love Hardee · 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.

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.

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.

Listings in this community report association dues of about $82 per month ($984 a year) — the median AssociationFee across 44 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.