What's in this guide
- Executive Summary
- Quick Facts
- Community Overview & History
- Neighborhoods & Areas
- Real Estate Market
- Who Lives Here
- Schools
- Amenities & Lifestyle
- HOA, CDD & Costs
- Commute Analysis
- Shopping & Dining
- Pros & Cons
- Neighborhood Comparisons
- Hidden Things to Know
- Momentum Expert Insight
- Flood Zones & Insurance
- Internet & Connectivity
- The Tax Reality
- What Your Budget Buys
- The Future of the Area
- Resale Liquidity
- The Buyer Playbook
- Questions to Ask
- Mistakes to Avoid
- Frequently Asked Questions
Executive Summary
The Amelia Surf and Racquet Club is the attainable end of the gated Amelia oceanfront: three established towers where 1 bedroom units have started in the mid $400s and 3 bedroom oceanfront plans run past $1.3M, third-party and dated.
The campus earns the racquet name, four tennis courts beside two oceanfront pools, a boardwalk, and two private dune walkovers, with a condo fee recently around $743 per month, modest for gated oceanfront.
For pricing context, the tower, the floor, and the renovation set the price, and rental eligibility makes the math work for income buyers. Price a specific unit off recent comparable sales.
Quick Facts
| Category | Detail |
|---|---|
| Location | Oceanfront on the Summer Beach corridor near the Ritz, Amelia Island |
| County | Nassau County |
| ZIP code | 32034 |
| Homes | 1 to 3 bedroom condos in three towers |
| Built | Established gated oceanfront towers, resale market |
| Home sizes | 1 to 3 bedroom plans across the towers |
| Amenities | Gated; 2 oceanfront pools, 4 tennis courts, boardwalk, 2 dune walkovers |
| Schools | Nassau County School District (highly rated; confirm zoning by address) |
| Gate / HOA | Gated; condo fee recently around $743/mo (confirm) |
Community Overview & History
The attainable gate on the Amelia oceanfront
Gated oceanfront on Amelia usually starts near seven figures. The Surf and Racquet is the exception: the same dune line and corridor as the luxury buildings at entry prices, paid for with older towers and simpler finishes, which suits half the buyers on the island perfectly.
How it feels on the ground today
The community reads as a classic beach-tennis club: morning doubles on the four courts, the pools busy by noon, the boardwalk to the sand, and a mix of full-timers, snowbirds, and rentals across the three towers.
The Community and What You Are Buying
The Surf and Racquet is about the tower, the floor, the view line, and the renovation.
Oceanfront versus ocean-view stacks
Direct-front units carry the premiums; angled views price attainably.
1 to 3 bedroom plans
From entry one-bedrooms to full oceanfront three-bedrooms.
Renovated versus original
Established interiors trade widely by renovation depth.
Real Estate Market
The community appeals to entry oceanfront buyers, tennis players, snowbirds, and investors.
Units have traded roughly $447K to $1.3M, dated. Price a specific unit off the closest comparable sales.
The lowest gated-oceanfront entry on the island keeps a permanent buyer floor.
Who Lives Here
The Surf and Racquet draws first-time beach buyers, tennis loyalists, snowbirds, and investors who want rental-eligible oceanfront at the island entry price.
Schools
the Amelia Surf and Racquet Club is served by the highly rated Nassau County School District, with Emma Love Hardee Elementary and Fernandina Beach Middle and High nearby. Confirm the exact zoning for a the Amelia Surf and Racquet Club address before you buy.
Amenities & Lifestyle
The amenity campus is the most active on the corridor.
Four tennis courts
The racquet campus anchors the community culture.
Two oceanfront pools
Pools on the dune line at both ends.
Boardwalk and walkovers
A boardwalk plus two private dune walkovers.
Gated entry
A gated campus on the Summer Beach corridor.
HOA, CDD & Costs
The fee has recently run around $743 per month; confirm the current amount, inclusions, reserves, and master insurance per tower.
For established oceanfront towers, review the milestone inspection status and assessment history carefully, per tower.
Confirm the rental rules and quote wind and flood insurance early.
Commute Analysis
| Destination | Typical drive |
|---|---|
| The beach | Across the boardwalk and walkovers |
| Ritz-Carlton corridor | Minutes away |
| Main Beach Park | About 10 minutes |
| Historic downtown Fernandina | About 12 to 15 minutes |
| Jacksonville International Airport | About 45 minutes |
The Surf and Racquet sits on the same corridor as the island luxury buildings, so the beach, the Ritz dining, and historic Fernandina all run on the identical clock at a fraction of the entry price.
Shopping & Dining
The Ritz corridor and Sadler Road retail cover the everyday run, with Centre Street about fifteen minutes north.
Pros and Cons
Pros
- The most attainable gated oceanfront entry on Amelia
- Four tennis courts, two oceanfront pools
- Two private dune walkovers and a boardwalk
- Condo fee modest for gated oceanfront
- Rental-eligible for income buyers
Cons
- Established towers, association diligence per tower
- Simpler finishes than the luxury buildings
- Rental mix affects building feel in season
- Wind and flood insurance, quote early
- View-line premiums vary sharply by stack
Amelia Surf and Racquet Club vs. Comparable Communities
| Community | How it compares to Amelia Surf and Racquet Club |
|---|---|
| Ocean Place | The mid-tier gated neighbor, a comparison for buyers weighing newer buildings. |
| Carlton Dunes | The luxury benchmark, a comparison for buyers weighing the corridor ceiling. |
| Summer Beach | The surrounding resort community guide. |
Hidden Things Buyers Should Know
The corridor arbitrage
Same dune line, same drive times as the seven-figure buildings, at entry pricing; the trade is tower age and finish.
Tennis as community
Four courts make this the most social campus on the corridor; the culture is the amenity.
Per-tower diligence
Three towers means three associations of facts; read the right ones for your unit.
Momentum Expert Insight
The Surf and Racquet is where smart island money starts: the cheapest gated key to the Amelia oceanfront, with tennis culture as the bonus. Entry units here outperform on rentability and resale liquidity.
My advice is to comp by tower and stack, underwrite the association per tower, and buy the best view line the budget reaches.
Selling a Home in Amelia Surf and Racquet Club
Selling in the Surf and Racquet is about presenting the view line, the renovation, and the rental record, and pricing correctly off the closest comparable sales.
We price from the most recent comparable units per tower and market the attainable-oceanfront story to the full buyer pool.
Get a no-obligation home value for your Amelia Surf and Racquet Club home, based on real comparable sales in the community rather than an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
Whether you are buying, selling, or just gathering information about Amelia Surf and Racquet Club, drop your details below. Every inquiry comes straight to us, and we will personally help you and connect you with the right agent. No obligation, no spam.
Flood Zones & Insurance
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 Surf and Racquet Club 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.
Internet & Connectivity
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 Surf and Racquet Club address rather than assuming.
The Tax Reality
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.
What Your Budget Buys Here
The same budget buys very different homes across Amelia Surf and Racquet Club and the surrounding area, depending on age, size, lot, and condition. Rather than anchor on the asking price or the neighborhood average, price any specific home off the most recent comparable sales, and weigh what your money would buy in the nearby alternatives before you commit.The Future of the Area
Nassau County continues to grow, with new rooftops, retail, and road work reshaping parts of the area. That growth supports long-run demand, but it can also add competing inventory and construction traffic in the near term, so factor both the upside and the disruption into your timing and your pricing.Resale Liquidity
How quickly a Amelia Surf and Racquet Club home resells comes down to presentation, condition, and pricing against the latest comparable sales rather than the neighborhood average. Homes that are priced correctly and shown well tend to move, while overpriced or dated homes sit. We track the active and sold comparable set so a Amelia Surf and Racquet Club home is priced to the real market.The Amelia Surf and Racquet Club Playbook
If you are buying in Amelia Surf and Racquet Club, here is how we would approach it: pull the flood zone and a real insurance quote for the specific address, confirm the HOA dues and whether a CDD applies, compare what your budget would buy nearby, and price the home off the closest comparable sales rather than the asking price. If you are buying any new-construction home, bring your own agent before you register, since the on-site representative works for the builder, not for you.
Questions We Would Ask Before Buying Here
Ask the seller
- What flood zone is this exact address in?
- What are the HOA dues, and is there a CDD or special assessment?
- What did the last few comparable homes actually sell for?
- How old are the roof, HVAC, and water heater?
- What is the true second-year tax estimate after reassessment?
Ask yourself
- Does the commute to work, schools, and daily life actually work?
- Do I need fiber internet, and is it at this address?
- Am I pricing against the right comparable sales, not the average?
- Does the lot and the condition fit my budget and my resale plan?
Mistakes to Avoid
The common ones around Amelia Surf and Racquet Club: trusting the seller current tax bill instead of the post-sale reset; skipping the address-specific flood check; assuming fiber is at every home; and pricing off the neighborhood average rather than the closest comparable sales. Each is avoidable with the right diligence, which is exactly where having your own agent pays off.
Frequently Asked Questions
Where is the Amelia Surf and Racquet Club?
What is the Amelia Surf and Racquet Club?
What do units at the Surf and Racquet cost?
What is the condo fee?
Can I rent out a unit?
What amenities does the community have?
Is the Surf and Racquet gated?
How many towers are there?
What schools serve the community?
Is it in a flood zone?
Is the Surf and Racquet good for tennis players?
Is it a good investment?
How far is it from the Ritz-Carlton?
How far is downtown Fernandina?
Who should I call about buying in the Surf and Racquet?
Do I need my own agent to buy here?
Related Reading
If you are weighing the Surf and Racquet against other Amelia options, these guides are a good next step.