Creekstone
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 47 closed sales in Creekstone in Fernandina Beach, FL since 2019, the most recent in May 2026. Recorded prices since 2024 ran from $400,000 to $555,000 (median $520,000), on homes of 1,795 to 2,346 sq ft. Across Fernandina Beach as a whole, 283 homes closed in the last 12 months at a median of $530,000, 56 median days on market, with 95 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $6,900 ($6,400 with the full homestead exemption).
Creekstone is a young build-out in Fernandina Beach — every home here dates to 2019 or 2020, so the stock is uniform in age and construction era. With a median around 2,536 square feet, this is a community of substantial, move-in-ready homes rather than a mix of cottages and estates. Because the housing is so consistent, pricing here is driven less by age and more by condition, lot position, and how each seller has maintained or upgraded a nearly-new home.
About 72% of homes carry a homestead exemption, which points to a base of owner-occupants rather than a turnover-heavy rental pool. For a seller, that tends to mean fewer distressed or investor-priced comps dragging on values; for a buyer, it means inventory can be thin and you may be competing for a specific floor plan or lot rather than picking from a wide shelf. Watch the actual listings closely — in a 46-home community, one or two sales reshape the picture.
The 60-Second Overview
Creekstone is a compact, recently built neighborhood in Fernandina Beach's Nassau County — 46 homes, all raised between 2019 and 2020, with a median size just over 2,500 square feet. It reads as a modern, owner-occupied enclave rather than a sprawling master-planned tract.
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 Creekstone is best for.
Best for
- Buyers prioritizing recent construction and low near-term maintenance over character or renovation projects
- Owner-occupant purchasers planning to stay put, comfortable in a stable, low-turnover setting
- Buyers who can be patient and act quickly when a specific floor plan lists
Probably not for
- Buyers needing a wide range of homes to tour on a fixed timeline
- Value hunters counting on distressed or discounted comps to set the price
- Those seeking older homes, larger lots, or a fixer to build sweat equity
The market around Creekstone
Creekstone is too small for its own price trend, so here is the market around it.
In ZIP 32034, 324 homes are on the market and 29% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 513 homes are active and 206 pending (29% under contract).
ZIP and county figures describe the wider market, not Creekstone specifically. Momentum Research analysis of MLS records.
The Creekstone buying strategy.
If we were buying in Creekstone 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 Creekstone.
A new-build pocket with a narrow window
The defining feature of Creekstone is its age uniformity. When a whole community goes up inside a two-year window, you get consistency — similar systems, similar finishes, similar remaining life on roofs and mechanicals — but you also get a small, fixed pool of homes. At 46 total, this is not a place where something is always for sale. Buyers should be prepared to wait for the right floor plan and to move decisively when it lists.
The high homestead share signals stability in ownership. That works in a seller's favor at resale, because the comparable set skews toward maintained, owner-occupied homes rather than churn. The flip side for buyers is limited negotiating leverage on scarce inventory, so the smarter play is judging each home on condition and lot rather than assuming a discount will appear.
The location and the amenities are priced into every listing in Creekstone. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 46-home community, the data is only as good as the last few closings, and a single sale can distort the read. We track Creekstone at the listing level — which floor plans trade, how lot and condition move price within an otherwise uniform stock, and when it is worth waiting versus stretching for the home that just came up. That granularity matters more here than in a large, liquid subdivision.
Creekstone 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 Creekstone 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 Creekstone sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Creekstone, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Creekstone home worth?
Get a no-obligation home value based on real comparable sales in Creekstone, 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 →
Should you buy in Creekstone?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2019 (47 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 Creekstone fits the bigger picture — live prices, inventory, and Momentum Scores:
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Nassau County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.