Cottages at Stoney Creek
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of COLDWELL BANKER THE AMELIA GROUP · via realMLS
Cottages at Stoney Creek sits in Fernandina Beach, on Amelia Island in Nassau County — a market where the island address does a lot of the pricing work before you ever walk through a door. Without a current inventory snapshot in front of me, I'd treat this as a small-community read: condition, upkeep, and how a given cottage compares to the handful of others available will move price more than any headline number.
For buyers, that means patience and a willingness to act when the right listing surfaces, because thin supply rewards the prepared. For sellers, it means presentation matters here in a concentrated way — in a compact community, your home is measured directly against its neighbors, so condition and turnkey readiness are the levers you actually control.
Cottages at Stoney Creek right now
🟢 Buyer-leaning market. 24.0 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 August 23, 2026. Confidence: Medium (6 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cottages at Stoney Creek market snapshot (as of August 23, 2026): the median sale price is about $290K ($179 per sq ft over the trailing 12 months of closed sales), a median 70 days on market for closed sales, and 24.0 months of supply, a buyer-leaning market.
A compact cottage community in Fernandina Beach, on Amelia Island in Nassau County — the kind of small enclave where the neighborhood identity and the barrier-island location carry as much weight as the individual floor plan.
The setting & the homes.
Aerial and on-site photos of Cottages at Stoney Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cottages at Stoney Creek
Cottages at Stoney Creek
Cottages at Stoney Creek
Cottages at Stoney Creek
Cottages at Stoney Creek
Cottages at Stoney CreekPhotos from realMLS listings in Cottages at Stoney Creek; content deemed reliable but not guaranteed.
Who Cottages at Stoney Creek is best for.
Best for
- Buyers prioritizing an Amelia Island location over maximum square footage or land
- Those wanting lower-maintenance, cottage-scale living near Fernandina Beach's downtown and coast
- Buyers ready to act decisively when limited inventory produces the right listing
Probably not for
- Buyers needing a large lot or acreage
- Those wanting a broad selection of home styles and sizes on one block
- Buyers unwilling to move quickly in a low-supply, small-community market
Housing distress & ownership in Cottages at Stoney Creek, 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.
Homes For Sale Right Now in Cottages at Stoney Creek
Live MLS inventory for Cottages at Stoney Creek. 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 · 152 daysTop listingActive · 77 days
Active · 48 days
Active · 39 days
Active · 41 days
Active · 121 daysActive and pending Cottages at Stoney Creek listings as of 2026-08-24, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Cottages at Stoney Creek on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Cottages at Stoney Creek
- Gated · reported on 5 of 5 listings
- Pool · reported on 5 of 5 listings
- Security Gate · reported on 5 of 5 listings
- Clubhouse · reported on 1 of 5 listings
- Maintenance Grounds · reported on 1 of 5 listings
- Management - Off Site · reported on 1 of 5 listings
- Trash · reported on 1 of 5 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Emma Love Hardee · Elementary
- Fernandina Beach · Middle
- Fernandina Beach · High
Zoned schools reflect the assignments reported on recent Cottages at Stoney Creek 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 Cottages at Stoney Creek address.
The Cottages at Stoney Creek buying strategy.
If we were buying in Cottages at Stoney Creek 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 Cottages at Stoney Creek.
A small Amelia Island enclave
Being in Fernandina Beach puts this community on Amelia Island, which shapes everything from access to the water and the historic downtown to the character of the housing stock. A cottage-style community typically leans toward lower-maintenance living and consistent architectural scale, which tends to appeal to buyers who want the island without the upkeep of a large lot.
In a community this specific, the practical questions are the ones worth asking early: what the association covers, how homes are maintained across the enclave, and how a given cottage's condition stacks up against recent activity nearby. Those details, not a broad market average, are what determine whether a listing is priced right.
The location and the amenities are priced into every listing in Cottages at Stoney Creek. 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 in a small community like this the edge comes from knowing the individual listings, not just the averages. We'll tell you plainly how a cottage compares to what else is moving on the island, and when a price doesn't hold up to scrutiny.
Cottages at Stoney Creek in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA. Confirm current dues
- 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 Cottages at Stoney Creek 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 Cottages at Stoney Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cottages at Stoney Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cottages at Stoney Creek home worth?
Get a no-obligation home value based on real comparable sales in Cottages at Stoney Creek, 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 homes for sale in Cottages at Stoney Creek on the map →
Frequently Asked Questions
What is the median home price in Cottages at Stoney Creek?
How long do homes in Cottages at Stoney Creek take to sell?
Is Cottages at Stoney Creek a buyer's or seller's market right now?
Who is the best real estate agent for Cottages at Stoney Creek?
How do I find a top Fernandina Beach real estate agent who knows Cottages at Stoney Creek?
Can Momentum Realty connect me with an agent for Cottages at Stoney Creek?
Should you buy in Cottages at Stoney Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cottages at Stoney Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 23, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 23, 2026 |
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2026 (3 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 your area comps.
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See how Cottages at Stoney Creek fits the bigger picture — live prices, inventory, and Momentum Scores: