City Of Fernandina in Fernandina Beach

City Of Fernandina
Homes for Sale in Fernandina Beach, FL

All 233 homes for sale in Fernandina Beach, FL · median $675,000 · 231 homes for sale in 32034 · Nassau County homes for sale

Community in Fernandina Beach · Nassau County · ZIP 32034
997 homesBuilt 1883–2024Median sale $629K
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Photo courtesy of SUMMER HOUSE REALTY · via realMLS

Built fromLive realMLS data23 years of closingsFL DOR public recordsUpdated twice daily

As of September 2026, City Of Fernandina in Fernandina Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-14, 3 recorded sales closed at a median of $629,000, $377 per square foot, a median 80 days on market, sellers accepting 93% of original asking. Homes listed or recently sold were built 1956–2026 with 1 new construction; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $8,350 ($7,850 with the full homestead exemption).

Live · City Of Fernandina Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$629K
Median sold · 12 mo
$377/sf
Sold $/sqft · 12 mo
peak $394 in 2021
93.0%
Sale vs ask
Nassau median: 96.0%
Tempo
6.0mo
Supply
3 to 6 months is the balanced band
80days
Median DOM · closed
6 days at the 2022 low
0%
Under contract
Nassau: 29% (210 of 721)
1 · 0
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 4 a year
Ownership and context
58%
Owner-occupied · City Of Fernandina
616 of 1070 parcels homesteaded (FL DOR 2025)
42%
Non-owner-occupied · City Of Fernandina
incl. 16% trust or LLC-held · 12% out-of-state
997
Homes in the community
plus 73 vacant residential lots · 1070 residential parcels (FL DOR 2025)
Track record · 23 years of records
70
Recorded sales · 2024-2025
median $520K · qualified sales on the county roll (FL DOR 2025)
Est. 1883
Community established
homes built 1883-2024, median 1972 (FL DOR 2025)
1,668sqft
Median sold home size
12-mo windows, closed sales
0.3%/yr
Turnover rate
about 3 of 997 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Price here is driven by location and condition, not by any single product type. With a housing stock spanning from 1883 to 2024 and a median build year of 1970, the median $735,000 sits on top of an unusually wide range of ages, sizes, and states of repair. A restored historic cottage and a newer build can trade in the same market, so the median tells you the center of gravity but not much about any one house — the spread is condition-driven, and you have to read each property on its own terms.

The current posture favors patience on both sides. A median of just over 70 days on market means well-priced, move-in-ready homes move at a reasonable clip while overpriced or deferred-maintenance listings sit. Sellers who prep and price to condition do fine; those who assume the median is a floor tend to chase the market down. Buyers have time to inspect carefully, especially given the age of much of the inventory.

City Of Fernandina Housing Pulse · Momentum Research · as of September 13, 2026

City Of Fernandina right now

🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 September 13, 2026. Confidence: Low (1 active and pending listings, 3 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated September 15, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

City Of Fernandina market snapshot (as of September 13, 2026): the median sale price is about $629K ($377 per sq ft over the trailing 12 months of closed sales), a median 80 days on market for closed sales, and 6.0 months of supply, a balanced market.

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 70 qualified sales in City Of Fernandina across 2024–2025 (42 in 2024, 28 in 2025), median $520,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

City Of Fernandina is a community of 997 homes in Fernandina Beach, Nassau County, built between 1883 and 2024 (median 1971.5), with a median living area of about 1,504 square feet. 58% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

City Of Fernandina, on the Nassau County coast in Fernandina Beach, is a deep and varied market of roughly 1,219 homes where age and condition matter more than any headline number — the median living area is a compact 1,509 square feet, so square footage is often traded for location.

Best for

  • Primary-residence buyers around the mid-$700s who want a coastal address and will trade size for location
  • Buyers willing to take on an older or historic home and budget for updates
  • Second-home or investment buyers comfortable underwriting the lot and block, not just the house

Probably not for

  • Buyers who need maximum square footage for the dollar
  • Buyers wanting new, uniform construction with predictable systems
  • Buyers who need a fast, thin-margin flip in a market where listings can sit past two months

Windows contain 0 to 9 sales each (3 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.

Median sale price · trailing 12 mo
$0$250K$500K$750K20122014201620182020202220242026
Every sale since 2003 · price vs size
$0$500K$1M$1.5M2k4k6k8k
70 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$0$200$40020122014201620182020202220242026
Up from $35 in 2012 to a $394 peak in 2021; $377 now.
Median days on market · closed sales
010020020122014201620182020202220242026
6 days at the 2022 low; 80 now.
Sale price vs original ask · median
90%95%100%20122014201620182020202220242026
93.0% now vs Nassau 96.0%.
Homes sold per 12-mo window
025820122014201620182020202220242026
0 to 9 a year; 3 in the current window.

City Of Fernandina Market Scorecard

Buyer's market

City Of Fernandina is currently a buyer's market. About 6.0 months of supply, a median asking price of $575,000, and homes go under contract in about 113 days.

6.0
Months supply
$575,000
Median list
$454,500
Median sold
$229
Per sqft
113
Days on mkt
1/0/2
Active/Pend/Sold

Typical home value in the 32034 ZIP is $615,846, about 26.3% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Housing distress & ownership in City Of Fernandina, Fernandina Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 8 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-09-13)

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.

Homes For Sale Right Now in City Of Fernandina

Live MLS inventory for City Of Fernandina. 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 City Of Fernandina listings as of 2026-09-15, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in City Of Fernandina today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers who value coastal location over square footage and are comfortable with older homes.
Biggest Risk
Condition and age vary widely, so the median is a weak guide to any single home.
Sweet Spot
A well-prepped, move-in-ready home priced honestly to its condition.
Avoid If
You need a large modern floorplan or a predictable, uniform product.

Reading an old housing stock

The defining feature of this market is its range of eras. Homes date back as far as 1883, with new construction as recent as 2024 and a median build year of 1970. That means inspection quality, systems, and renovation history carry real weight in pricing — two homes at similar square footage can sit far apart on price purely on condition. The median of about 1,509 square feet also signals a market where compact and historic footprints are common, so buyers looking for large modern floorplans will need to search selectively.

A homestead share around 56 percent tells you this is a genuine primary-residence market with a meaningful second-home and rental presence alongside it. At a median of $380 per square foot, land and location are being paid for as much as the structure — expect to underwrite the lot and the block, not just the house. With only four closings in the reference window, individual sales move the read, so treat the median as directional rather than precise.

The location and the amenities are priced into every listing in City Of Fernandina. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
5.0C · Buy Score
Liquidity & Demand4.0/10
Owner Commitment5.8/10
Pricing Power5.3/10

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 (5.0). Basis: Liquidity & Demand 6.0 months of supply; Owner Commitment 58% owner-occupied; Pricing Power 93.0% sale-to-list. Refreshed with each data update.

Why work with Momentum here

This is a market where the median hides more than it reveals. With inventory ranging from 19th-century structures to brand-new builds and a thin recent-closing count, pricing a home — or an offer — requires reading each property against its true comparable set, not the neighborhood average. We help sellers prep and price to condition so they land in the fast-moving lane, and we help buyers underwrite older homes with clear eyes on systems and scope.

City Of Fernandina in 15 seconds.

Best forBuyers who value coastal location over square footage and are comfortable with older homes.
Biggest advantageA genuinely varied stock — historic through new — inside one walkable coastal city.
Biggest riskCondition and age vary widely, so the median is a weak guide to any single home.
Sweet spotA well-prepped, move-in-ready home priced honestly to its condition.
Avoid ifYou need a large modern floorplan or a predictable, uniform product.

HOA, CDD & Fees

In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed City Of Fernandina sales matched to your home.

What is your City Of Fernandina home worth?

Get a no-obligation home value based on real comparable sales in City Of Fernandina, 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 →

Real comps, not an automated estimate.

Recently off market in City Of Fernandina

Homes in City Of Fernandina 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. 2 on record.

Frequently Asked Questions

What is the median home price in City Of Fernandina?
The median sale price in City Of Fernandina was $629K over the 12 months ending September 13, 2026 (3 closed sales, realMLS).
How long do homes in City Of Fernandina take to sell?
Homes that closed in the 12 months ending September 13, 2026 took a median 80 days on market (3 sales, realMLS).
Is City Of Fernandina a buyer's or seller's market right now?
As of September 13, 2026, City Of Fernandina is roughly balanced: 6.0 months of supply at the current sales pace (realMLS live counts).
How many homes are in City Of Fernandina?
The Florida DOR 2025 assessment roll shows 997 homes plus 73 vacant residential lots in City Of Fernandina (public records).
What share of City Of Fernandina is owner-occupied?
58% of City Of Fernandina parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in City Of Fernandina built?
Homes in City Of Fernandina were built between 1883 and 2024, with a median year built of 1971.5 (FL DOR 2025 roll).
Who is the best real estate agent for City Of Fernandina?
The best agent for City Of Fernandina is one who actively works Fernandina Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for City Of Fernandina.
How do I find a top Fernandina Beach real estate agent who knows City Of Fernandina?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows City Of Fernandina and the wider Fernandina Beach area.
Can Momentum Realty connect me with an agent for City Of Fernandina?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your City Of Fernandina purchase or sale - no call center and no pressure.
Primary-residence buyers around the mid-$700s who want a coastal address and will trade size for locationExcellent fit
Buyers willing to take on an older or historic home and budget for updatesExcellent fit
Second-home or investment buyers comfortable underwriting the lot and block, not just the houseExcellent fit
Buyers who need maximum square footage for the dollarProbably not
Buyers wanting new, uniform construction with predictable systemsProbably not
Buyers who need a fast, thin-margin flip in a market where listings can sit past two monthsProbably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: September 15, 2026)
Community market statsrealMLS closed sales, 12-month windows ending September 13, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (13 streets, ZIP 32034))
Under-contract sharesrealMLS records, as of 2026-09-12
Historical depthClosed-sale records back to 2003 (70 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 →

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Schools serving nearby communities

We do not have a confirmed school assignment for City Of Fernandina. 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.

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 with Momentum Realty’s local guides.

COCity Of Fernandina Beach0.4 mi away · median $545K, 19 sales/12 moFBFernandina Beach Fernandina Beach Nassau0.5 mi away · median $605K, 10 sales/12 moATAzalea Terrace0.5 mi awayPPPark Place On Atlantic0.7 mi away · 3 for salePParkview0.7 mi away · median $543K, 4 sales/12 moOLOak Lawn0.7 mi away · 242 homes, built 1891–24SGShady Grove0.8 mi away · 47 homes, built 1946–04

Browse all neighborhood guides →

Thinking of selling in City Of Fernandina? 3 recorded closings; median 80 days on market (window ending 2026-09-14). See the Nassau County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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