Highland Oaks
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 3 closed sales in Highland Oaks in Fernandina Beach, FL since 2015, the most recent in February 2026. 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).
Highland Oaks sits in Fernandina Beach, on Amelia Island in Nassau County — a coastal Northeast Florida market where price is driven less by a headline number and more by the specifics of each property. Without a current median in hand, I'd tell you to price and offer off condition, lot, and proximity to the beach and the historic core rather than off any assumption about where the community 'should' trade.
For buyers, that means underwriting each listing on its own merits and not chasing a blended average. For sellers, it means presentation and honest condition disclosure carry the day here; the spread between a turnkey home and one needing work tends to be wide in island markets, and buyers price that gap aggressively.
Nearby homes for sale
No active listings inside Highland Oaks 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
Highland Oaks market snapshot (as of October 10, 2026): the median sale price is about $308K ($197 per sq ft over the trailing 12 months of closed sales), and a median 2 days on market for closed sales.
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.
County records show 10 qualified sales in Highland Oaks across 2024–2025 (5 in 2024, 5 in 2025), median $525,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Highland Oaks is a community of 122 homes in Fernandina Beach, Nassau County, built between 1910 and 2023 (median 1988.0), with a median living area of about 1,894 square feet. 69% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Highland Oaks is a Fernandina Beach community on Amelia Island in Nassau County, positioned within reach of the coast and the town's historic downtown — a location that does a lot of the pricing work in this corner of Northeast Florida.
Who Highland Oaks is best for.
Best for
- Buyers targeting an Amelia Island primary or second home who will evaluate each property on its own merits
- Buyers who value proximity to the beach and Fernandina Beach's historic downtown over a lowest-cost purchase
- Buyers comfortable factoring coastal insurance and condition into their total budget
Probably not for
- Buyers who need a tightly fixed budget and can't absorb condition-driven price swings
- Buyers seeking an inland or off-island location with lower carrying costs
- Buyers who want to price off a single neighborhood average rather than underwrite individual listings
Sold History: Closed Sales in Highland Oaks by Year
Closed sales in Highland Oaks by trailing-12-month window ending October 10 of each year, from realMLS (Northeast Florida MLS) closing records. 3 homes closed in the current window at a median of $308,000. Aggregates only; individual closed sales are not shown.
| Window | Closings | Median sold | $ / sq ft | Median DOM | Typical size |
|---|---|---|---|---|---|
| 2026 | 3 | $308,000 | $197 | 2 days | 1,564 sq ft |
Source: realMLS closed listings, aggregated by Momentum Research. Deemed reliable but not guaranteed.
The Highland Oaks buying strategy.
If we were buying in Highland Oaks 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 Highland Oaks.
Reading an island submarket
Amelia Island markets reward specificity. Distance to the beach, lot orientation, flood and insurance considerations, and the quality of any renovation all move value here more than a neighborhood-wide figure ever could. Two homes in the same community can justify very different prices on condition alone.
Because Fernandina Beach draws both primary-residence and second-home demand, inventory can move on its own clock. We'd rather show you a handful of specific listings and walk the trade-offs — location versus condition, updated versus original — than talk in averages that flatten those differences.
The location and the amenities are priced into every listing in Highland Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We're a Northeast Florida brokerage that works these Nassau County and Amelia Island submarkets directly, and we'll tell you plainly when a given home — or Highland Oaks itself — isn't the right fit for your goals. Our job is to underwrite each property on condition, location, and carrying costs, not to sell you an average.
Highland Oaks 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 Highland Oaks 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 Highland Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Highland Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Highland Oaks home worth?
Get a no-obligation home value based on real comparable sales in Highland Oaks, 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 Highland Oaks, 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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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- N 15Th Street (1 homes on record)
Recent Developments in Highland Oaks
Development, infrastructure, retail, and school activity affecting Highland Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
What it may mean for the marketAdded lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 5 miles west of Highland Oaks.
Source: Nassau NewsLine - August 2026Builder Activity
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
What it may mean for the marketNew-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is about 3 miles south of Highland Oaks.
Source: Nassau NewsLine - July 2026Builder Activity
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
What it may mean for the marketOngoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 12 miles west of Highland Oaks.
Source: Jax Daily Record - March 2026Development
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
What it may mean for the marketNew employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 12 miles west of Highland Oaks.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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Ask an agent about Highland Oaks
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Frequently Asked Questions
What is the median home price in Highland Oaks?
How long do homes in Highland Oaks take to sell?
How many homes are in Highland Oaks?
What share of Highland Oaks is owner-occupied?
When were the homes in Highland Oaks built?
Who is the best real estate agent for Highland Oaks?
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Where is Highland Oaks, and what county is it in?
How far is Highland Oaks from downtown Jacksonville and the beach?
Should you buy in Highland Oaks?
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 October 10, 2026 |
| 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 2015 (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.
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Schools serving nearby communities
We do not have a confirmed school assignment for Highland Oaks. 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 Highland Oaks with Momentum Realty’s local guides.