City Of Fernandina Beach
Homes for Sale in Fernandina Beach, FL
All 233 homes for sale in Fernandina Beach, FL · median $675,000 · 230 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-09-14, 19 recorded sales closed at a median of $545,000, $425 per square foot, a median 35 days on market, sellers accepting 94% of original asking (-10% versus the prior year). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $7,240 ($6,730 with the full homestead exemption).
Price here is driven by condition and location, not square footage alone. With a median build year of 1977 and a housing stock that stretches all the way back to 1883, you are buying into a market where a restored older home and a tired one can wear the same address and trade at very different numbers. At a median of $590,000 and roughly $473 per square foot on a median home just under 1,900 square feet, the per-foot figure tells you land and place carry real weight — you are paying for the barrier-island location, not a large floor plan.
The current posture is balanced, leaning cautious. A market heat score of 41 and a median 43 days on market say this is not a bidding-war environment; homes sit long enough for a deliberate buyer to inspect, negotiate, and walk away. The year-over-year median is down 3.1%, so sellers should price to the current market rather than last year's, and buyers have room to be selective on condition without feeling rushed.
City Of Fernandina Beach right now
🔴 Off the recent peak. The trailing-12-month median ($545K) is down 10.2% from the prior 12 months ($607K). With about 21 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending September 13. Confidence: High (19 and 32 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 16, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside City Of Fernandina Beach 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
City Of Fernandina Beach market snapshot (as of September 13, 2026): the median sale price is about $545K ($425 per sq ft over the trailing 12 months of closed sales), and a median 35 days on market for closed sales. The trailing-12-month median is down 10% from the prior 12 months, computed from record-level realMLS closed sales (19 closings in the current window).
In ZIP 32034 (Fernandina Beach), 964 homes closed in the last 12 months at a median of $456K ($210/sq ft), up 1.2% year over year, with a median 56 days on market. Right now 209 active and 104 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32034 housing market and the Nassau County market.
County records show 156 qualified sales in City Of Fernandina Beach across 2024–2025 (94 in 2024, 62 in 2025), median $659,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
City Of Fernandina Beach is a community of 2,153 homes in Fernandina Beach, Nassau County, built between 1883 and 2024 (median 1977.0), with a median living area of about 1,806 square feet. 53% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a small, slow-turning coastal market — 18 closings in the window against just over 2,000 homes — where age and condition of the individual property matter more than any neighborhood-wide trend. Just over half of homes carry a homestead exemption, so a meaningful share are held as primary residences rather than pure investment or rental stock.
Who City Of Fernandina Beach is best for.
Best for
- Buyers seeking a primary coastal residence around the mid-$500s to low-$600s who value location over square footage
- Renovation-minded buyers willing to price and manage the work on an older home
- Patient buyers who want time to inspect and negotiate rather than compete in a rush
Probably not for
- Buyers who need a quick, competitive close and can't wait out a ~43-day market
- Buyers wanting a large, brand-new floor plan at a low per-square-foot cost
- Investors expecting rapid appreciation or quick flips in a low-turnover market
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 13 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($545K) IS the median in the snapshot above, and the move from 2025 ($607K) IS the -10.2% one-year change.
Windows contain 5 to 35 sales each (19 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
29% 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 (2026-09-12).
Housing distress & ownership in City Of Fernandina Beach, 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.
The City Of Fernandina Beach buying strategy.
If we were buying in City Of Fernandina Beach 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 City Of Fernandina Beach.
An old housing stock on an island lot
The spread between 1883 and 2024 build years is the whole story. Fernandina Beach has genuine historic housing alongside newer construction, and the median year of 1977 means most homes here have some age on them. That translates directly into inspection risk and renovation opportunity: roof, systems, and — given the coastal setting — insurance and elevation questions should shape every offer. The median $473 per square foot reflects a place premium, not a size premium, since the median home sits just under 1,900 square feet.
Because turnover is low, comparable sales are thin and each closing carries more weight than it would in a high-volume market. That makes pricing more of a judgment call than a formula, and it rewards patience on both sides. A 43-day median means well-prepared listings move at a reasonable pace while overpriced or deferred-maintenance homes tend to linger.
The location and the amenities are priced into every listing in City Of Fernandina Beach. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in City Of Fernandina Beach buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.9). Basis: Recent Direction -10.2% year-over-year; Owner Commitment 53% owner-occupied; Pricing Power 93.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin, condition-driven market, the wrong comp can cost you tens of thousands. We read each closing on its merits — age, updates, and location — instead of leaning on a broad median, and we build offers and list prices around the real state of the specific home. With older coastal stock, our inspection and negotiation work is where the value shows up.
City Of Fernandina Beach 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 City Of Fernandina Beach 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 City Of Fernandina Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in City Of Fernandina Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your City Of Fernandina Beach home worth?
Get a no-obligation home value based on real comparable sales in City Of Fernandina Beach, 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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Frequently Asked Questions
What is the median home price in City Of Fernandina Beach?
How long do homes in City Of Fernandina Beach take to sell?
How many homes are in City Of Fernandina Beach?
What share of City Of Fernandina Beach is owner-occupied?
When were the homes in City Of Fernandina Beach built?
Who is the best real estate agent for City Of Fernandina Beach?
How do I find a top Fernandina Beach real estate agent who knows City Of Fernandina Beach?
Can Momentum Realty connect me with an agent for City Of Fernandina Beach?
Should you buy in City Of Fernandina Beach?
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 September 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (26 streets, ZIP 32034/32097)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2020 (146 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.
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See how City Of Fernandina Beach fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for City Of Fernandina Beach. 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 City Of Fernandina Beach with Momentum Realty’s local guides.