Ingram Dunes
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of WATSON REALTY CORP · via realMLS
As of September 2026, the MLS records 2 closed sales in Ingram Dunes in Fernandina Beach, FL since 2025, the most recent in August 2026. Across Fernandina Beach as a whole, 279 homes closed in the last 12 months at a median of $543,250, 57 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 $7,210 ($6,710 with the full homestead exemption).
Ingram Dunes sits in Fernandina Beach, on Amelia Island in Nassau County, and that location is the single biggest thing carrying value here. Proximity to the beach, the historic downtown grid, and the limited supply of island land all matter more than any one interior finish. When you compare two homes in this pocket, the gap usually comes down to condition, lot, and how close you are to the things people actually walk to.
For a buyer, the practical read is to underwrite the home in front of you rather than a neighborhood average — an island market like this rewards patience and a clear-eyed inspection. For a seller, presentation and condition are doing real work; a well-prepared home separates itself quickly, while deferred maintenance shows up fast in an educated buyer pool.
The 60-Second Overview
Ingram Dunes is a small residential pocket of Fernandina Beach on Amelia Island, where the appeal is less about a headline number and more about being inside the Nassau County beach-and-downtown orbit.
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.
The setting & the homes.
Aerial and on-site photos of Ingram Dunes. Swipe to explore the community.
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Ingram DunesPhotos from realMLS listings in Ingram Dunes; content deemed reliable but not guaranteed.
Who Ingram Dunes is best for.
Best for
- Buyers prioritizing an Amelia Island location and walkability to beach and downtown over square footage
- Buyers comfortable underwriting a home on its individual condition rather than a neighborhood average
- Buyers with the budget flexibility to weigh renovated versus deferred-maintenance homes
Probably not for
- Buyers needing a large, fast-moving selection of comparable listings to choose from
- Buyers unwilling to budget for coastal upkeep and inspection findings
- Buyers who want value driven by interior features more than by island location
The market around Ingram Dunes
Ingram Dunes 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 Ingram Dunes specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Ingram Dunes, 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 Ingram Dunes buying strategy.
If we were buying in Ingram Dunes 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 Ingram Dunes.
What actually moves value on the island
Island geography sets the ceiling and the floor here. Amelia Island has a finite footprint, and Fernandina Beach layers a walkable historic core on top of beach access — so the location premium is structural, not seasonal marketing. Homes closer to the water and to downtown amenities generally command more, and that hierarchy tends to hold through market cycles.
Inside the community, expect condition to drive the spread between comparable homes. Updated systems, sound roofs, and thoughtful renovations read very differently to buyers than homes carrying deferred work, and on a coastal island that maintenance question is not cosmetic. Buy and sell on the specifics of the actual property, not on a neighborhood-wide assumption.
The location and the amenities are priced into every listing in Ingram Dunes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Northeast Florida and Nassau County every day, and Fernandina Beach on Amelia Island rewards local read. We will walk you through what a specific Ingram Dunes home is worth on its own merits — condition, lot, and location relative to the beach and downtown — and we will tell you plainly when a listing does not justify its ask or when this is simply not the right pocket for your plan.
Ingram Dunes 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 Ingram Dunes 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 Ingram Dunes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ingram Dunes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ingram Dunes home worth?
Get a no-obligation home value based on real comparable sales in Ingram Dunes, 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 Ingram Dunes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Ingram Dunes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2025 (2 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Ingram Dunes 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.
Ingram Dunes Market Scorecard
Ingram Dunes is currently a no active listings market. Limited supply, a median asking price of n/a.
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.