Marsh Lakes
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · via realMLS
Marsh Lakes sits in Fernandina Beach in Nassau County, and the current reading here is built on a thin sample — just 3 active listings and a closings window of only 4 sales — so treat the numbers as directional rather than a deep statistical base. The median sale price across that window is $752,500, working out to $282.94 per square foot, in a market Momentum currently reads as buyer-leaning with 7.2 months of supply on hand.
That combination — buyer-leaning conditions, a median 38.5 days on market, and a year-over-year change of -21.6% — tells a seller they need to price precisely and tells a buyer there is real room to negotiate on terms, not just list price. With a market heat score of 43, this is not a community where competing offers are the norm; the leverage right now sits with whoever is patient and prepared with financing in hand.
Marsh Lakes right now
🟢 Buyer-leaning market. 7.2 months of supply and 40% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of July 15, 2026. Confidence: Medium (5 active and pending listings, 4 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($752K) is down 21.6% from the prior 12 months ($960K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 15. Confidence: Low (4 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Marsh Lakes market snapshot (as of July 15, 2026): the median sale price is about $752K ($283 per sq ft over the trailing 12 months of closed sales), a median 39 days on market for closed sales, and 7.2 months of supply, a buyer-leaning market. The trailing-12-month median is down 22% from the prior 12 months, computed from record-level realMLS closed sales (4 closings in the current window).
Marsh Lakes is a community of 272 homes in Fernandina Beach, Nassau County, built between 1988 and 2024 (median 1998.0), with a median living area of about 2,540 square feet. 75% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Marsh Lakes is an established community of 272 homes with a build range spanning 1988 to 2024 and a median year built of 1998, carrying a median living area of 2,539.5 square feet — a mix that gives buyers a real choice between original construction and newer builds inside the same footprint.
The setting & the homes.
Aerial and on-site photos of Marsh Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Marsh LakesPhotos from realMLS listings in Marsh Lakes; content deemed reliable but not guaranteed.
Who Marsh Lakes is best for.
Best for
- Buyers targeting a median price point near $752,500 who want negotiating room in a buyer-leaning market.
- Buyers comparing construction eras within one HOA, from homes built in 1988 up through 2024.
- Buyers who plan to use community amenities like the pool, boat launch, and pickleball courts and will confirm current access with the HOA.
Probably not for
- Buyers who need dozens of active comparables to shop before deciding — only 3 listings are active right now.
- Sellers expecting last year's pricing; the year-over-year change here is -21.6%.
- Buyers unwilling to verify amenities and fees directly with the HOA before writing an offer.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($752K) IS the median in the snapshot above, and the move from 2025 ($960K) IS the -21.6% one-year change.
Windows contain 0 to 6 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Marsh Lakes Market Scorecard
Marsh Lakes is currently a strong buyer's market. About 9.6 months of supply, a median asking price of $556,950, and homes go under contract in about 62 days.
Typical home value in the 32034 ZIP is $617,903, about 26.4% 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.
Homes For Sale Right Now in Marsh Lakes
Live MLS inventory for Marsh Lakes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 4 daysTop listing
Active · 46 daysActive · 214 days
Pending · 16 days
Pending · 96 daysActive and pending Marsh Lakes listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Marsh Lakes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Marsh Lakes
- Tennis Court(s) · reported on 6 of 7 listings
- Pool · reported on 6 of 7 listings
- Playground · reported on 3 of 7 listings
- Jogging Path · reported on 1 of 7 listings
- Boat Launch · reported on 1 of 7 listings
- Park · reported on 1 of 7 listings
- Pickleball · reported on 1 of 7 listings
- Basketball Court · reported on 1 of 7 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Marsh Lakes are close: the nearest dining is about 6 minutes away.
- Kitchen 251 · Dining6 min
- VITAS Healthcare · Health6 min
- Holy Grounds Coffee House · Coffee7 min
- Taqueria El Rincon · Groceries10 min
- Amelia Plaza · Shopping10 min
- Kids can be kids · Parks12 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Emma Love Hardee Elementary SchoolFLDOE grade A · Public PreK-5 (Nassau County)
- Fernandina Beach Middle SchoolFLDOE grade A · Public Middle 6-8
- Fernandina Beach High SchoolFLDOE grade A · Public High 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Nassau County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Marsh Lakes address.
Recent Developments in Marsh Lakes
Development, infrastructure, retail, and school activity affecting Marsh Lakes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated July 2026.
- 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 11 miles west of Marsh Lakes.
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 11 miles west of Marsh Lakes.
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.
The Marsh Lakes buying strategy.
If we were buying in Marsh Lakes 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Marsh Lakes.
What Actually Drives Value in Marsh Lakes
At $282.94 per square foot against a $752,500 median, Marsh Lakes prices in a range where lot position, water or marsh frontage, and how recently a kitchen or roof was touched will move a contract more than the address alone. With homes built as early as 1988 and as recently as 2024, buyers are comparing very different construction eras inside a single HOA, which is part of why the price-per-square-foot spread can be wide even on the same street.
Homestead exemptions are filed on roughly three-quarters of homes in the community, a signal that ownership here skews toward owner-occupied use rather than transient rental turnover. The amenity package — tennis courts, a pool, playground, jogging path, boat launch, park, pickleball, and a basketball court — is reported across this community's MLS listings; Momentum recommends confirming current access and any HOA fees directly with the association before writing an offer.
The location and the amenities are priced into every listing in Marsh Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Marsh Lakes buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (3.8). Basis: Recent Direction -21.6% year-over-year; Liquidity & Demand 7.2 months of supply; Owner Commitment 75% owner-occupied; Pricing Power 91.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 3 active listings and a closings sample of 4, Marsh Lakes is a market where pricing mistakes are expensive and hard to correct — Momentum tracks these thin-inventory Nassau County communities closely enough to tell you whether a listing is priced to today's buyer-leaning conditions or still anchored to last year's market. We also verify amenities and HOA specifics directly with the association rather than relying on listing sheets, and we negotiate accordingly on days-on-market and terms in a market currently running a 38.5-day median.
Marsh Lakes in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Marsh Lakes 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 Marsh Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Marsh Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Marsh Lakes home worth?
Get a no-obligation home value based on real comparable sales in Marsh Lakes, 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 homes for sale in Marsh Lakes on the map →
Frequently Asked Questions
What is the median home price in Marsh Lakes?
How long do homes in Marsh Lakes take to sell?
Is Marsh Lakes a buyer's or seller's market right now?
How many homes are in Marsh Lakes?
What share of Marsh Lakes is owner-occupied?
When were the homes in Marsh Lakes built?
Do cash buyers compete in Marsh Lakes?
What schools serve Marsh Lakes?
Who is the best real estate agent for Marsh Lakes?
How do I find a top Fernandina Beach real estate agent who knows Marsh Lakes?
Can Momentum Realty connect me with an agent for Marsh Lakes?
Should you buy in Marsh Lakes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Marsh Lakes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (9 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (65 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 your area comps.
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