Cedar Ridge
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.
As of October 2026, the MLS records 5 closed sales in Cedar Ridge in Fernandina Beach, FL since 2014, the most recent in September 2022. Across Fernandina Beach as a whole, 249 homes closed in the last 12 months at a median of $465,000, 48 median days on market, with 284 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $6,170 ($5,670 with the full homestead exemption).
Cedar Ridge sits in Fernandina Beach, on Amelia Island in Nassau County, and its pricing is driven far more by the individual home than by any published range. Without a spread of active list prices to lean on, what matters here is condition, lot, and how a given property compares to what else is actually available at the moment you are looking.
For a buyer, that means underwriting each listing on its own merits rather than assuming a neighborhood-wide number. For a seller, it means presentation and honest condition assessment carry the day — a well-prepped home stands out, and a tired one gets discounted quietly by the market rather than loudly by the listing.
Nearby homes for sale
No active listings inside Cedar Ridge 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
Cedar Ridge is a Fernandina Beach community in Nassau County, on the island side of the Northeast Florida coast, where value tends to track the specifics of each home rather than a uniform price band.
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.
Who Cedar Ridge is best for.
Best for
- Buyers targeting a Fernandina Beach island-side location who will underwrite one home at a time
- Buyers comfortable relying on comparable closings rather than a fixed price range
- Sellers willing to invest in condition and presentation to stand out in a home-specific market
Probably not for
- Buyers who want a clearly published entry-to-ceiling price band before shopping
- Buyers unwilling to do property-level comparison and inspection work
- Sellers hoping a neighborhood name alone will carry an unprepped home to a premium
The market around Cedar Ridge
Cedar Ridge is too small for its own price trend, so here is the market around it.
In ZIP 32034, 319 homes are on the market and 24% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 548 homes are active and 172 pending (24% under contract).
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 Cedar Ridge specifically. Momentum Research analysis of MLS records.
The Cedar Ridge buying strategy.
If we were buying in Cedar Ridge 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 Cedar Ridge.
Reading Cedar Ridge without a price grid
The honest position here is that we do not have a documented price range or transaction volume to quote for Cedar Ridge as of mid-2026, so we will not manufacture one. What we can say is that Fernandina Beach and the wider Nassau County coast are a distinct submarket, and buyers should weigh Cedar Ridge against comparable island and near-island options rather than mainland pricing.
That makes on-the-ground comparison work the real deliverable. Walk the specific street, check the condition against recent nearby closings, and price the home in front of you — not the neighborhood in the abstract. It is the unglamorous part of the process and the part that actually protects your money.
The location and the amenities are priced into every listing in Cedar Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Nassau County and the Fernandina Beach market directly, and we would rather tell you a Cedar Ridge listing is overpriced for its condition than push you toward it. Because the data here is thin on the page, our value is in the comparison work — pulling the right recent closings and pricing a specific home on its merits, whether you are buying or selling.
Cedar Ridge in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Cedar Ridge 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 Cedar Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cedar Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cedar Ridge home worth?
Get a no-obligation home value based on real comparable sales in Cedar Ridge, 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 →
Housing distress & ownership in Cedar Ridge, 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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Email me new listings in Cedar Ridge
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cedar Ridge
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cedar Ridge will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Cedar Ridge?
What share of Cedar Ridge is owner-occupied?
When were the homes in Cedar Ridge built?
Who is the best real estate agent for Cedar Ridge?
How do I find a top Fernandina Beach real estate agent who knows Cedar Ridge?
Can Momentum Realty connect me with an agent for Cedar Ridge?
Where is Cedar Ridge, and what county is it in?
How far is Cedar Ridge from downtown Jacksonville and the beach?
Should you buy in Cedar Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-10 |
| Historical depth | Closed-sale records back to 2014 (5 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 sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cedar Ridge fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Cedar Ridge. 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).
Nearby Communities
Explore more neighborhoods near Cedar Ridge with Momentum Realty’s local guides.