Oyster Bay Harbors
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · via realMLS
Oyster Bay Harbors carries a median price of $1,138,861 on a median $367.11 per square foot — pricing driven less by lot count and more by what is attached to the water. This is a gated, marina-access community with a boat dock, boat launch, boat slip, and marina alongside a clubhouse, pool, tennis courts, pickleball, and fitness center, and that infrastructure shows up directly in the price. Homes here run large, with a median living area of 3,070 square feet, and the building stock spans 1961 to 2024 around a median year built of 2002, so buyers are choosing between long-held waterfront property and newer construction inside the same gates.
The current read is buyer-leaning even with price up 18.9% year over year, and that split tells the real story: only 4 active listings against 9.6 months of supply and a median 63 days on market. Thin inventory is keeping the price line firm, but the supply math still favors a patient buyer who can negotiate on terms rather than chase a bidding war. For sellers, that combination argues for pricing to the data rather than to the headline year-over-year number.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Oyster Bay Harbors right now
🟡 Balanced market. 3.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 October 23, 2026. Confidence: Medium (2 active and pending listings, 9 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($1.10M) is up 8.9% from the prior 12 months ($1.01M). With about 6 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 October 23. Confidence: Low (9 and 4 sales in the two windows).
What's unique here: the median sale price is about 2x the typical Nassau County sale ($1.10M vs $449K, trailing 12 months, realMLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Oyster Bay Harbors market snapshot (as of October 23, 2026): the median sale price is about $1.10M ($365 per sq ft over the trailing 12 months of closed sales), a median 17 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is up 9% from the prior 12 months, computed from record-level realMLS closed sales (9 closings in the current window).
Oyster Bay Harbors is a community of 112 homes in Fernandina Beach, Nassau County, built between 1994 and 2024 (median 2010.5), with a median living area of about 3,499 square feet. 63% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Oyster Bay Harbors is a gated, marina-front community in Fernandina Beach where boat access and shared infrastructure — not raw lot size — set the price ceiling; with 286 homes total and only 4 currently active, most of what happens here happens off the visible listings sheet.
The setting & the homes.
Aerial and on-site photos of Oyster Bay Harbors. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Oyster Bay HarborsPhotos from realMLS listings in Oyster Bay Harbors; content deemed reliable but not guaranteed.
Who Oyster Bay Harbors is best for.
Best for
- Buyers prioritizing boat dock, boat slip, or marina access as a non-negotiable, with budget positioned around $1.1 million.
- Buyers comfortable evaluating older waterfront homes individually rather than buying new construction only.
- Buyers who want gated-community infrastructure — clubhouse, pool, fitness center, tennis, and pickleball — bundled with waterfront access.
Probably not for
- Buyers who need to close on a tight timeline — with 9.6 months of supply and a 63-day median days on market, this is not a fast transaction market.
- Buyers working with a budget well under the community's $1,138,861 median who are not prepared for the premium tied to marina infrastructure.
- Buyers who want a uniform build era — the community spans construction from 1961 to 2024, so consistency in style and age is not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.10M) IS the median in the snapshot above, and the move from 2025 ($1.01M) IS the +8.9% one-year change.
Windows contain 1 to 15 sales each (9 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.
23% 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 (2026-10-20).
Oyster Bay Harbors Market Scorecard
Oyster Bay Harbors is currently a balanced market. About 3.0 months of supply, a median asking price of $974,950, and homes go under contract in about 69 days.
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 Oyster Bay Harbors, 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.
Homes For Sale Right Now in Oyster Bay Harbors
Live MLS inventory for Oyster Bay Harbors. 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 and pending Oyster Bay Harbors listings as of 2026-10-22, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Oyster Bay Harbors 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 contributors.
Life at Oyster Bay Harbors
- Pool · reported on 9 of 9 listings
- Gated · reported on 7 of 9 listings
- Clubhouse · reported on 6 of 9 listings
- Tennis Court(s) · reported on 6 of 9 listings
- Pickleball · reported on 6 of 9 listings
- Security Gate · reported on 5 of 9 listings
- Boat Dock · reported on 5 of 9 listings
- Fitness Center · reported on 3 of 9 listings
- RV/Boat Storage · reported on 3 of 9 listings
- Marina · reported on 3 of 9 listings
- Boat Launch · reported on 3 of 9 listings
- Boat Slip · reported on 3 of 9 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 Oyster Bay Harbors are close: the nearest shopping is about 8 minutes away.
- Villages of Amelia · Shopping8 min
- Publix · Groceries9 min
- VITAS Healthcare · Health10 min
- Down Under Restaurant · Dining11 min
- Nuanz Coffee Roasters · Coffee11 min
- Kids can be kids · Parks16 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 (Fernandina, verify zoning)FLDOE grade A · Public K-5
- Fernandina Beach Middle School (verify zoning)FLDOE grade A · Public 6-8
- Fernandina Beach High School (verify zoning)FLDOE grade A · Public 9-12
- Yulee feeder schools (verify; peninsula may zone here) · Public K-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 Oyster Bay Harbors address.
Recent Developments in Oyster Bay Harbour
Development, infrastructure, retail, and school activity affecting Oyster Bay Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
What it may mean for the marketAdded lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 3 miles west of Oyster Bay Harbour.
Source: Nassau NewsLine - August 2026Builder Activity
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
What it may mean for the marketNew-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is about 2 miles south of Oyster Bay Harbour.
Source: Nassau NewsLine - 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 10 miles west of Oyster Bay Harbour.
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 10 miles west of Oyster Bay Harbour.
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 Oyster Bay Harbors buying strategy.
If we were buying in Oyster Bay Harbors 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 Oyster Bay Harbors.
Waterfront Infrastructure, Not Just a View
What separates Oyster Bay Harbors from a typical gated subdivision is the depth of the marine amenity package: boat dock, boat launch, boat slip, and marina access sit alongside more conventional gated-community fixtures — security gate, clubhouse, pool, tennis courts, pickleball, fitness center, RV/boat storage, and elevators. That is a lot of shared infrastructure for a community of 286 homes, and it lines up with a $367.11 per-square-foot median that reflects the premium tied to that access.
The building stock itself is not uniform. Homes were built anywhere from 1961 to 2024, with a median year built of 2002, so due diligence has to be done home by home — a waterfront property from the earlier end of that range carries different maintenance and dock considerations than something built in the last decade. At a 71.8% homestead share, most of what is on the tax roll is owner-occupied rather than investment or rental stock.
The location and the amenities are priced into every listing in Oyster Bay Harbors. 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 Oyster Bay Harbors 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 (7.1). Basis: Recent Direction +8.9% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 63% owner-occupied; Pricing Power 95.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Community amenities in Oyster Bay Harbors are reported directly from MLS listings, and that list — clubhouse, pool, tennis, pickleball, fitness center, marina, boat dock, boat launch, boat slip, RV/boat storage, security gate, and elevators — should be verified against current HOA documents before a contract is written, since gate access, marina slip assignment, and dock rights are frequently governed by separate agreements. With only 4 active listings against 9.6 months of supply, pricing a home here correctly means working from actual closed comps rather than list-price anchoring, and Momentum tracks that data at the community level rather than relying on citywide averages.
Oyster Bay Harbors in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$375/quarter
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Flood & Insurance Context
Of 9 sampled listing addresses in this community: 22% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 56% in an A-series Special Flood Hazard Area zone; 22% in a V-series coastal high-hazard zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=9) · as of 2026-10
Tools for a Oyster Bay Harbors 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 Oyster Bay Harbors sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oyster Bay Harbors, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oyster Bay Harbors home worth?
Get a no-obligation home value based on real comparable sales in Oyster Bay Harbors, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Oyster Bay Harbors?
How long do homes in Oyster Bay Harbors take to sell?
Is Oyster Bay Harbors a buyer's or seller's market right now?
How many homes are in Oyster Bay Harbors?
What share of Oyster Bay Harbors is owner-occupied?
When were the homes in Oyster Bay Harbors built?
What schools serve Oyster Bay Harbors?
Who is the best real estate agent for Oyster Bay Harbors?
How do I find a top Fernandina Beach real estate agent who knows Oyster Bay Harbors?
Can Momentum Realty connect me with an agent for Oyster Bay Harbors?
Should you buy in Oyster Bay Harbors?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Oyster Bay Harbors with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 22, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2003 (74 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.
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