Highland Oaks
Homes for Sale in Fernandina Beach, FL
All 246 homes for sale in Fernandina Beach, FL · median $677,450 · 237 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, 277 homes closed in the last 12 months at a median of $480,000, 48 median days on market, with 102 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $6,370 ($5,870 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 September 24, 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), 1,079 homes closed in the last 12 months at a median of $440K ($200/sq ft), down 0.2% year over year, with a median 53 days on market. Right now 216 active and 75 pending listings put supply at about 7.3 months — a buyer's 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
Price History: What Homes Here Have Actually Sold For
Closed sales in Highland Oaks by trailing-12-month window ending September 24 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.
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.
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 →
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.
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?
How do I find a top Fernandina Beach real estate agent who knows Highland Oaks?
Can Momentum Realty connect me with an agent for Highland Oaks?
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 September 24, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-09-24 |
| 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.
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 Highland Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
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.