Azalea Terrace
Homes for Sale in Fernandina Beach, FL
All 269 homes for sale in Fernandina Beach, FL · median $695,000 · 265 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-10-20, 5 recorded sales closed at a median of $200,000, $136 per square foot, a median 47 days on market. At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $2,660 ($2,150 with the full homestead exemption).

Azalea Terrace sits in Fernandina Beach, on Amelia Island in Nassau County, and that location does a lot of the pricing work here. This is barrier-island real estate near the coast and the historic downtown grid, so proximity to the water, the beach, and the walkable core tends to matter more than raw square footage. We don't have a published price spread for this community, so treat condition, lot, and exact position within the neighborhood as the real variables rather than any headline number.
For buyers, the practical posture is to underwrite each home on its own merits — updates, roof and systems age, and flood/insurance exposure common to coastal Nassau — rather than assuming a neighborhood-wide rate. For sellers, the pitch is condition and presentation: on the island, a home that shows well and prices to its actual state will find its audience faster than one leaning on the address alone.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Azalea Terrace 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
Azalea Terrace market snapshot (as of October 20, 2026): the median sale price is about $200K ($136 per sq ft over the trailing 12 months of closed sales), and a median 47 days on market for closed sales.
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.
Azalea Terrace is a Fernandina Beach neighborhood on Amelia Island, close to the coast and the town's historic downtown — the kind of location where island access and walkability, not just the house itself, drive interest.
Who Azalea Terrace is best for.
Best for
- Buyers prioritizing walkable access to Fernandina Beach's downtown and the coast over maximum square footage
- Buyers comfortable underwriting a home individually on condition, systems, and insurance rather than a neighborhood average
- Owners seeking an island primary or second home who will budget for coastal carrying costs
Probably not for
- Buyers who want an inland, low-insurance-cost profile away from coastal flood considerations
- Buyers expecting a large, uniform master-planned layout with predictable pricing tiers
- Buyers unwilling to do flood-zone and systems diligence before committing
The Azalea Terrace buying strategy.
If we were buying in Azalea Terrace 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 Azalea Terrace.
Buying island real estate on its merits
Fernandina Beach is a compact coastal market, and Azalea Terrace shares its defining traits: a barrier-island setting, easy reach to the beach and the historic downtown, and a housing stock that varies enough that condition is the story. Because we're working from a single community snapshot without a price range, the honest move is to evaluate homes individually — what's been renovated, how systems have held up in a salt-air environment, and how close the specific lot is to the water and the walkable core.
Coastal ownership in Nassau County comes with the usual homework: flood zone designation, elevation, and insurance costs can differ block to block and materially change your carrying number. None of that is a reason to avoid the neighborhood; it's a reason to do the diligence before you fall in love with a listing.
The location and the amenities are priced into every listing in Azalea Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Northeast Florida and Nassau County every day, and on Amelia Island the details that move a deal — condition, flood and insurance exposure, and exactly how a lot sits relative to the beach and downtown — aren't in any listing headline. We'll walk each property with you on its own facts and tell you plainly when a home, or the whole neighborhood, isn't the right fit.
Azalea Terrace in 15 seconds.
Tools for a Azalea Terrace 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 Azalea Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Azalea Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Azalea Terrace home worth?
Get a no-obligation home value based on real comparable sales in Azalea Terrace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Housing distress & ownership in Azalea Terrace, 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.
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Fernandina Beach guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Nassau County)
- Homestead exemption (Nassau County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Frequently Asked Questions
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Should you buy in Azalea Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending October 20, 2026 |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Historical depth | Closed-sale records back to 2022 (6 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.
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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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See how Azalea Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Azalea Terrace with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Azalea Terrace. These are the public schools most often assigned to other communities in ZIP 32034; zones change and vary by address, so confirm with the district before you buy.
- Fernandina Beach High School · 9-12 · FLDOE grade A (assigned to 23 nearby communities)
- Fernandina Beach Middle School · 6-8 · FLDOE grade A (assigned to 21 nearby communities)
- Yulee Middle School · 6-8 · FLDOE grade A (assigned to 14 nearby communities)
- Yulee High School · 9-12 · FLDOE grade A (assigned to 14 nearby communities)
- Southside Elementary School · PK-2 (assigned to 12 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).






