Big Oak
Homes for Sale in Fernandina Beach, FL
All 231 homes for sale in Fernandina Beach, FL · median $661,000 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of SUMMER HOUSE REALTY · via realMLS
As of November 2026, Big Oak in Fernandina Beach, FL has 1 home for sale. As of November 2026, the MLS records 13 closed sales in Big Oak in Fernandina Beach, FL since 2015, the most recent in February 2026. Across Fernandina Beach as a whole, 667 homes closed in the last 12 months at a median of $565,000, 54 median days on market, with 278 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $7,500 ($7,000 with the full homestead exemption).
Last 30 days in Big Oak: 1 new listing (median asking $500,000). As of November 11, 2026, realMLS.
Big Oak is a small, established pocket in Fernandina Beach — 28 homes built across a long stretch from 1986 to 2022, with the middle of the pack landing around 1997. That build spread is the story here: what sets price is condition and updating, not a uniform product. A carefully renovated home and an original-condition one can sit far apart on value even at similar square footage, so pricing has to be read house by house rather than off a neighborhood average.
With a homestead share near 96%, this is overwhelmingly owner-occupied and turnover is thin. That posture usually means fewer listings and less price theater — sellers here don't have to chase a churning rental market, and buyers should expect to move on the right home when it surfaces rather than wait for a wave of inventory. Patience matters on both sides.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Big Oak right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 11, 2026. Confidence: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Big Oak is a modestly sized, owner-occupied enclave in Fernandina Beach where homes cluster around 2,000 square feet and range widely in age, so the real variable is how much each home has been updated.
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 setting & the homes.
Aerial and on-site photos of Big Oak. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Big OakPhotos from realMLS listings in Big Oak; content deemed reliable but not guaranteed.
Who Big Oak is best for.
Best for
- Long-hold buyers seeking a settled, owner-occupied neighborhood in Fernandina Beach
- Buyers comfortable underwriting a home on its condition and updates rather than a neighborhood average
- Those ready to act decisively when a well-kept home comes to market
Probably not for
- Buyers who need a broad, always-available selection of listings
- Investors targeting a high-turnover rental play, given the near-96% homestead share
- Shoppers unwilling to fund inspections and price for condition differences between older and newer builds
The market around Big Oak
Big Oak is too small for its own price trend, so here is the market around it.
In ZIP 32097, 256 homes are on the market and 34% are under contract — a fast-moving corner of Fernandina Beach.
Across Nassau County, 506 homes are active and 168 pending (25% under contract).
In ZIP 32097 (Fernandina Beach), 618 homes closed in the last 12 months at a median of $454K ($197/sq ft), up 3.8% year over year, with a median 57 days on market. Right now 148 active and 61 pending listings put supply at about 2.9 months — a healthy market. See the live ZIP 32097 housing market and the Nassau County market.
ZIP and county figures describe the wider market, not Big Oak specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Big Oak
Live MLS inventory for Big Oak. 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 Big Oak listings as of 2026-11-11, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
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 Big Oak 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 Big Oak address.
The Big Oak buying strategy.
If we were buying in Big Oak 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Big Oak.
A condition-driven market, not a spec one
The median living area sits right at about 2,000 square feet, which points to a consistent home footprint even as build years span more than three decades. That consistency in size, paired with the age spread, is why two comparable-square-foot homes here can justify very different prices — the delta is roofs, systems, kitchens, and baths, not floor plans. Buyers should budget for inspection and underwrite the home's actual condition rather than assume parity across the community.
Because roughly 96% of homes carry a homestead exemption, this reads as a stay-put neighborhood. Listings tend to be occasional rather than steady, so comps can be sparse and dated. That puts a premium on knowing which recent sale actually reflects the home in front of you — and on being ready to act when a well-kept property lists, since the next one may be a while.
The location and the amenities are priced into every listing in Big Oak. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 28-home community with thin turnover and a wide age range, the average online estimate misses badly — value lives in condition and updates that a screen can't see. We walk the home, weigh it against the sales that actually compare, and tell you plainly whether the asking price reflects the work that's been done. That's the difference between overpaying for cosmetics and recognizing a genuinely renovated home.
Big Oak in 15 seconds.
Tools for a Big Oak 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 Big Oak sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Big Oak, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Big Oak home worth?
Get a no-obligation home value based on real comparable sales in Big Oak, 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 →
Recently off market in Big Oak
Homes in Big Oak that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 95118 Petunia Court · off market
Housing distress & ownership in Big Oak, 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.
Every Home for Sale in Big Oak Fernandina Beach Right Now (1)
All 1 active and pending Big Oak Fernandina Beach listings with a detail page, newest first, refreshed twice a day from the MLS.
- 95217 Big Oak Avenue · $500,000 · 3 bd / 2 ba · listed Oct 22, 2026 · listed by Atlantic Salt Realty
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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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Recent Developments in Big Oak
Development, infrastructure, retail, and school activity affecting Big Oak, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
Port of Fernandina wins $11M federal grant for wharf and flood-control repairs
The U.S. Maritime Administration's Port Infrastructure Development Program awarded $11 million to the Ocean Highway and Port Authority. The money covers rebuilding the upper and lower wharf, crane rail repairs, an underground stormwater system, paving, railroad crossing repairs and shoreline reinforcement. The article ties it to two roughly $5.5 million needs presented by Relay Terminals in May.
What it may mean for the marketDock and drainage upgrades support continued port operations and the freight jobs tied to the Fernandina waterfront. The site is about 7 miles northeast of Big Oak.
Source: Fernandina Observer - October 2026Civic
Nassau committee proposes data center zoning district with no county incentives
A draft county report released Oct. 21 rejects both a ban and the status quo, proposing a new industrial park-data center zoning district, no county incentives or tax abatements, and disclosure of water and power needs. Siting would prioritize proximity to 500-kilovolt transmission lines, and developers would pay infrastructure costs. Workshops run Oct. 26 and Nov. 9, with a Planning and Zoning hearing Dec. 1 and commission hearings Dec. 14 and Jan. 25 under a June moratorium.
What it may mean for the marketThe rules will determine where large power-and-water-intensive industrial users can locate in western Nassau, shaping future land use and utility demand. The site is about 4 miles northwest of Big Oak.
Source: Fernandina Observer - September 2026Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
What it may mean for the marketAdded lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 7 miles north of Big Oak.
Source: Nassau NewsLine - August 2026Builder Activity
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
What it may mean for the marketNew-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is about 3 miles northeast of Big Oak.
Source: Nassau NewsLine - July 2026Builder Activity
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
What it may mean for the marketOngoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 12 miles northwest of Big Oak.
Source: Jax Daily Record - March 2026Development
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
What it may mean for the marketNew employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 12 miles northwest of Big Oak.
Source: Jax Daily Record
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.
19% 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 (2026-11-12).
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Ask an agent about Big Oak
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Big Oak will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
Is Big Oak a buyer's or seller's market right now?
Who is the best real estate agent for Big Oak?
How do I find a top Fernandina Beach real estate agent who knows Big Oak?
Can Momentum Realty connect me with an agent for Big Oak?
Where is Big Oak, and what county is it in?
How far is Big Oak from downtown Jacksonville and the beach?
Should you buy in Big Oak?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 11, 2026) |
| Under-contract shares | realMLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2015 (13 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.
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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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