Ocean Oaks
Homes for Sale in Fernandina Beach, FL
All 242 homes for sale in Fernandina Beach, FL · median $697,375 · 240 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of AMELIA ISLAND REAL ESTATE SERVICES · via realMLS
Over the 12 months ending 2026-10-06, 3 recorded sales closed at a median of $975,000, $420 per square foot, a median 70 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 1997–1999; 3 of 3 report an HOA (median $32/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $12,940 ($12,440 with the full homestead exemption).
| Location | Fernandina Beach, Nassau County, FL · ZIP 32034 |
|---|---|
| Sale prices, last 12 months | $975,000 median across 3 closed sales · $420 per sq ft |
| Days on market (closed sales) | 70 median |
| For sale right now | 0 active, 0 pending |
Data as of October 6, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Ocean Oaks key facts,” movewithmomentum.com/neighborhoods/ocean-oaks-fernandina-beach, data as of October 6, 2026.
Last 30 days in Ocean Oaks: 1 closed sale (median $1,425,000). As of October 9, 2026, realMLS.
Ocean Oaks sits in Fernandina Beach, on Amelia Island in Nassau County, and that location does most of the heavy lifting on price. Proximity to the coast, the barrier-island setting, and the finite supply of land out here matter more to value than any single feature inside a given home. Without a current price and inventory read in front of me, I'd treat this as a location-driven market first and a condition-driven one second.
For buyers, that means underwriting the address and the lot as much as the house. For sellers, it means presentation and condition are where you control the outcome — the coastal setting is priced in, so the marginal dollar comes from how the home shows. Bring me the live numbers and I'll tell you exactly where the leverage sits.
Nearby homes for sale
No active listings inside Ocean 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
Ocean Oaks market snapshot (as of October 6, 2026): the median sale price is about $975K ($420 per sq ft over the trailing 12 months of closed sales), and a median 70 days on market for closed sales.
In ZIP 32034 (Fernandina Beach), 1,082 homes closed in the last 12 months at a median of $438K ($200/sq ft), up 0.0% year over year, with a median 53 days on market. Right now 221 active and 76 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32034 housing market and the Nassau County market.
County records show 7 qualified sales in Ocean Oaks across 2024–2025 (5 in 2024, 2 in 2025), median $1.14M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Ocean Oaks is a community of 52 homes in Fernandina Beach, Nassau County, built between 1996 and 1999 (median 1998.0), with a median living area of about 2,710 square feet. 85% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Ocean Oaks is a Fernandina Beach community on Amelia Island in Nassau County, where the island setting and limited coastal land supply frame everything about how homes here trade.
The setting & the homes.
Aerial and on-site photos of Ocean Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Ocean OaksPhotos from realMLS listings in Ocean Oaks; content deemed reliable but not guaranteed.
Who Ocean Oaks is best for.
Best for
- Buyers prioritizing a coastal Amelia Island location and willing to price in insurance and upkeep
- Move-up buyers who value lot and proximity to the beach over square-footage-per-dollar
- Owners planning a longer hold who want finite-supply coastal land
Probably not for
- Buyers stretching to the top of their budget with no room for coastal carrying costs
- Shoppers chasing the lowest cost-per-square-foot regardless of location
- Anyone wanting a low-maintenance property insulated from salt-air upkeep
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 6 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($975K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 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.
26% of homes for sale in ZIP 32034 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-06).
Ocean Oaks Market Scorecard
Ocean Oaks is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Ocean 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.
Ocean Oaks 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.
The Ocean Oaks buying strategy.
If we were buying in Ocean 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 Ocean Oaks.
What actually drives value in Ocean Oaks
Barrier-island real estate behaves differently from mainland Nassau County. Land is finite, the coastal location is baked into every listing, and the spread between homes usually comes down to condition, lot, and how close you are to the water and the beach access. That makes each individual property worth evaluating on its own merits rather than by a neighborhood average.
Fernandina Beach also carries the practical realities of coastal ownership — insurance, flood considerations, and maintenance exposure to salt and weather. None of that is a reason to avoid the area, but it belongs in your budget from day one, not after you're under contract.
The location and the amenities are priced into every listing in Ocean 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, and Amelia Island is our backyard. We'll walk you through the coastal-ownership specifics — insurance, flood, and condition — with live numbers instead of guesses, and we'll tell you plainly when a particular Ocean Oaks home doesn't justify its price.
Ocean Oaks in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $32/month (about $384/yr) · median of 78 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $32 per month ($384 a year) — the median AssociationFee across 78 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Ocean 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 Ocean Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ocean 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 Ocean Oaks home worth?
Get a no-obligation home value based on real comparable sales in Ocean 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 →
Recently off market in Ocean Oaks
Homes in Ocean Oaks that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 1012 Ocean Oaks Drive · off market
- 2749 Ocean Oaks Drive · off market
- 2792 S Ocean Oaks Drive · off market
Frequently Asked Questions
What is the median home price in Ocean Oaks?
How long do homes in Ocean Oaks take to sell?
How many homes are in Ocean Oaks?
What share of Ocean Oaks is owner-occupied?
When were the homes in Ocean Oaks built?
Who is the best real estate agent for Ocean Oaks?
How do I find a top Fernandina Beach real estate agent who knows Ocean Oaks?
Can Momentum Realty connect me with an agent for Ocean Oaks?
Where is Ocean Oaks, and what county is it in?
How far is Ocean Oaks from downtown Jacksonville and the beach?
Should you buy in Ocean Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 7, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 6, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-06 |
| Historical depth | Closed-sale records back to 2003 (15 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 Ocean Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Ocean 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 Ocean Oaks with Momentum Realty’s local guides.