Lofton Point
Homes for Sale in Fernandina Beach, FL

Lofton Point is a mature, mostly owner-occupied Fernandina Beach community of 116 homes, where just over 60 percent carry a homestead exemption — a sign of an established, primary-residence neighborhood rather than a rental- or investor-heavy one.

realMLS (Northeast Florida) sales records identify 51 homes in Lofton Point that have changed hands since 2004, built between 2003 and 2007 (median 2005), with a median living area of about 1,818 sq ft and a typical 3-bedroom, 2-bath layout; 96% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 15 qualified sales in Lofton Point across 2024–2025 (9 in 2024, 6 in 2025), median $369,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

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.

Lofton Point is too small for its own price trend, so here is the market around it.

In ZIP 32034, 329 homes are on the market and 26% are under contract — a steady corner of Fernandina Beach.

Across Nassau County, 532 homes are active and 186 pending (26% under contract).

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.

ZIP and county figures describe the wider market, not Lofton Point specifically. Momentum Research analysis of MLS records.

Because construction here spanned 1987 to 2007 and the community is fully built out, there is no new-construction premium to chase and no obvious entry point at either end. What separates one sale from the next is how much work a given home has had. The median around 2,143 square feet gives you a good sense of the typical footprint, but two homes of similar size can price quite differently depending on roofs, systems, and finishes. Read the condition, not just the square footage.

The homestead share of roughly 62 percent signals a neighborhood held largely by primary-residence owners rather than short-term holders. For a buyer, that usually means homes have been lived in and maintained rather than turned over quickly. For a seller, it means your competition is limited and episodic — the 116-home count keeps supply tight, and a median of 63 days on market reflects a deliberate rather than desperate pace.

In a condition-driven market like Lofton Point, the whole game is reading a specific house against a $375,000 median and a 63-day pace. We price and inspect for that reality — helping sellers position an updated home to stand apart, and helping buyers tell a well-kept house from one carrying deferred work behind fresh paint. No hype, just a clear read on the home in front of you.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.