Oyster Bay Harbors
Homes for Sale in Fernandina Beach, FL
All 246 homes for sale in Fernandina Beach, FL · median $677,450 · 237 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · via realMLS
As of October 2026, Oyster Bay Harbors in Fernandina Beach, FL has 1 home for sale. Over the 12 months ending 2026-10-01, 9 recorded sales closed at a median of $1,100,000, $365 per square foot, a median 17 days on market, sellers accepting 96% of original asking (+9% versus the prior year). Homes listed or recently sold were built 1994–2025 with 1 new construction; 9 of 9 report an HOA (median $125/mo); 6 of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $14,600 ($14,100 with the full homestead exemption).
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.
Oyster Bay Harbors right now
🔴 Seller-leaning market. 1.7 months of supply and 50% of the inventory already under contract give sellers the pressure advantage.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 1, 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 1. 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 $450K, trailing 12 months, realMLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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 1, 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 1.7 months of supply, a seller-leaning 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).
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.
County records show 5 qualified sales in Oyster Bay Harbors across 2024–2025 (1 in 2024, 4 in 2025), median $920,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Oyster Bay Harbors: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 25% sit outside the FEMA Special Flood Hazard Area (Zone X); 50% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage; 25% are in a V-series coastal high-hazard zone. Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Fernandina Beach.
Oyster Bay Harbors is a community of 74 homes in Fernandina Beach, Nassau County, built between 1994 and 2024 (median 2014.5), with a median living area of about 3,210 square feet. 66% 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 1 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 14 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Clay 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 · Clay 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.
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 (2026-10-01).
Oyster Bay Harbors Market Scorecard
Oyster Bay Harbors is currently a seller-leaning market. About 1.7 months of supply, a median asking price of $1,175,000, and homes go under contract in about 49 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 2026-10-01, 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, tiles © CARTO.
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.
Nearby Communities
Explore more neighborhoods near Oyster Bay Harbors with Momentum Realty’s local guides.
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.
Shop the zone: Homes zoned for Southside Elementary School · Homes zoned for Emma Love Hardee Elementary School · Homes zoned for Fernandina Beach Middle School · Homes zoned for Fernandina Beach High School
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 August 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 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 (7.5). Basis: Recent Direction +8.9% year-over-year; Liquidity & Demand 1.7 months of supply; Owner Commitment 66% 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
- 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.
Page states no CDD.
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.
See all homes for sale in Fernandina Beach →
Recently off market in Oyster Bay Harbors
Homes in Oyster Bay Harbors 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. 5 on record.
- 96042 Lanceford Lane · off market
- 96285 Light Wind Drive · off market
- 96492 Soap Creek Drive · off market
- 96564 Compass Point Drive · off market
- 96613 Bay View Drive · off market
Price History: What Homes Here Have Actually Sold For
Median sale prices in Oyster Bay Harbour Fernandina Beach year by year since 2013, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
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?
Where is Oyster Bay Harbors, and what county is it in?
How far is Oyster Bay Harbors from downtown Jacksonville and the beach?
Is Oyster Bay Harbors a good place to live?
Should you buy in Oyster Bay Harbors?
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 1, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 1, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| 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.
Own a home here?
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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 Oyster Bay Harbors fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Oyster Bay Harbors
- Home values · What homes in Oyster Bay Harbors actually sell for
- Find an agent · How to choose the best real estate agent in Oyster Bay Harbors