Oyster Bay Harbors
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
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
🟢 Buyer-leaning market. 9.6 months of supply and 0% 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 14, 2026. Confidence: Medium (4 active and pending listings, 7 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($1.14M) is up 18.9% from the prior 12 months ($958K). 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 July 14. Confidence: Low (7 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 14, 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 July 14, 2026): the median sale price is about $1.14M ($367 per sq ft over the trailing 12 months of closed sales), a median 63 days on market for closed sales, and 9.6 months of supply, a buyer-leaning market. The trailing-12-month median is up 19% from the prior 12 months, computed from record-level realMLS closed sales (7 closings in the current window).
Oyster Bay Harbors is a community of 286 homes in Fernandina Beach, Nassau County, built between 1961 and 2024 (median 2002.0), with a median living area of about 3,070 square feet. 72% 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 July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.14M) IS the median in the snapshot above, and the move from 2025 ($958K) IS the +18.9% one-year change.
Windows contain 1 to 13 sales each (7 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.
Oyster Bay Harbour Market Scorecard
Oyster Bay Harbour is currently a buyer's market. About 7.2 months of supply, a median asking price of $965,000, and homes go under contract in about 51 days.
Typical home value in the 32034 ZIP is $610,771, about 25.1% 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 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 · 61 daysTop listing
Active · 40 days
Active · 18 days
Active · 103 daysActive and pending Oyster Bay Harbors listings as of 2026-07-14, 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.
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.
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.
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 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 (6.2). Basis: Recent Direction +18.9% year-over-year; Liquidity & Demand 9.6 months of supply; Owner Commitment 72% 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
- 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.
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 homes for sale in Oyster Bay Harbors on the map →
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?
Do cash buyers compete in Oyster Bay Harbors?
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: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (7 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 2003 (71 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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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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