Oyster Bay Harbour Homes for Sale in Fernandina Beach, FL

300-acre gated peninsula · 94 homesites + 98 villas · ZIP 32034

The boater's gated answer near Amelia: a 300-acre marsh peninsula built around a 76-slip yacht-club marina.

300-acre gated marsh peninsula76-slip marina, boats to 65 feetLight HOA, separate yacht club

Live Market Pulse

54/100
Momentum

Buyer-Leaning Market (limited data)

Two ledgers price this community: the deed buys the gate and grounds at a reported light HOA, and the Oyster Bay Yacht Club, its membership and the slips, is a separate cost. A boating household and a non-boating household carry very different true monthly numbers at the same address. Confirm the current HOA, club tiers, and slip costs by address before you read any list price.

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Unlock Off-Market Oyster Bay Harbour

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulserealMLS

$1.12M

Median Price

6mo

Supply

51days

Avg DOM

Soft

Seller Leverage

$387/sf

Median $/Sqft

+21%

1-Yr Price Change

0now

Distress

Jon's Current Read

"Oyster Bay Harbour is the only gated neighborhood in Nassau County built around a real big-boat marina: a 300-acre marsh peninsula one mile west of the Intracoastal, with 94 single-family marsh homesites and 98 villas ringing the Oyster Bay Yacht Club's 76 floating slips for boats to 65 feet. The read is the cost structure. The reported HOA near $236 a month is genuinely light for gated waterfront, but the club, its dining, fitness, pool, and the marina itself, is separate and optional, so the boater and the non-boater pay very different true totals. Buy the water position (true marsh frontage is finite and the resale insurance here) and verify the club terms, slip availability, and depth for your exact boat before you offer. This is marsh and estuary living, not oceanfront, and the trade is real cruising access and quiet over sand at the door."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Oyster Bay Harbour market snapshot (as of June 14, 2026): the median sale price is about $1.1M ($387 per sq ft), with homes averaging 51 days on market and 6.0 months of supply, a buyer-leaning market (limited data). Values are up 21% over the past year and up 77% since 2019, based on 4 recent closings in live realMLS data.

Oyster Bay Harbour occupies a 300-acre gated peninsula in the marshes west of the Amelia River, about a mile from the Intracoastal and ten minutes from downtown Fernandina. The community is built around water in every direction: 94 single-family marsh homesites and 98 villas ring the Oyster Bay Yacht Club, whose floating marina holds 76 slips for boats from 16 to 65 feet with 4 to 15 feet of depth at low tide.

Homes run from roughly $700K, where New Atlantic Builders has been actively building, to about $2.5M for the big marsh-front customs, with the villa side trading below the single-family market. The reported HOA is light at around $236 a month; the club, its dining, fitness, pool, and the marina itself, is a separate structure with its own costs. One housekeeping fact that saves confusion: this is not the Oyster Bay community in Yulee, a different neighborhood entirely that shares the name, and portals mix them up regularly.

The honest read for a buyer in 2026 is the two-ledger math. The deed buys the gate, the grounds, and the marsh; the club sells the harbour. Keep those columns straight, price the membership tier and slip you would actually use, and the community is exactly what it appears to be: the boater's gated package near Amelia at real-life prices, with marsh quiet instead of beach traffic.

Quick Match

Who Oyster Bay Harbour is best for.

Best for

Buyers who run a real boat and want a gated slip to 65 feet at home
Buyers who want Lowcountry marsh living ten minutes from downtown Fernandina
Buyers who want a light mandatory HOA with club life as a choice
Buyers who want a lock-and-leave villa or a custom home behind one gate

Probably not for

Buyers who want oceanfront or sand at the door
Buyers who want walkable restaurants and town life beyond a club grill
Buyers who want every amenity bundled into one mandatory fee
Buyers who want high-liquidity resale of a commodity product

Market Pulse

How Oyster Bay Harbour is performing right now

54/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

6Months of supplytight

51Median days on marketdays

1 : 2Under contract vs for salestrong demand

4Sold in last 12 monthsliquidity

+77%Median price since 2019appreciation

-19%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of June 14, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Oyster Bay Harbour listings and the trailing twelve months of closed sales.

Where prices are going$1.14M2026 YTD

Median sale price by year. Tap a label to compare Marsh Lakes or Fernandina Beach. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3652026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now2 : 1active : pending

For sale2

Pending1

Sold 12mo4

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Oyster Bay Harbour buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Oyster Bay Harbour

Live MLS inventory for Oyster Bay Harbour. 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.

96133 Oyster Bay Drive home for sale in Oyster Bay Harbour

Active · 30 daysTop listing

$1,175,000

3 bd · 3 ba · 3,250 sqft · built 2019

96133 Oyster Bay Drive, Fernandina Beach, 32034

Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

96058 Bay View Drive home for sale in Oyster Bay Harbour

Active · 72 days

$839,900

4 bd · 3.5 ba · 3,169 sqft · built 1998

96058 Bay View Drive, Fernandina Beach, 32034

RenovatedBest value

Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

96478 Soap Creek Drive home for sale in Oyster Bay Harbour

Pending · 4 days

$1,300,000

3 bd · 2.5 ba · 3,405 sqft · built 2023

96478 Soap Creek Drive, Fernandina Beach, 32034

Listed by FLORIDA HOMES REALTY & MTG LLC

Active and pending Oyster Bay Harbour listings as of 2026-06-14, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

Interactive Map

Oyster Bay Harbour on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The Club & Membership

15-Second Take

76 floating slips, boats 16 to 65 feet, 4 to 15 feet at low tide
Harbour master on site and evening security
ICW about a mile east, Atlantic roughly four miles of channel beyond
Club membership and slips are separate from the HOA
Verify slip availability, depth, and resale treatment for your exact boat

The marina is the community's engine: 76 floating slips with full-length fingers, boats 16 to 65 feet, 4-15 feet at low tide, a harbour master on site, and evening security. The ICW sits about a mile east, with the Atlantic roughly four miles of channel beyond, and Fernandina's harbor two miles up, real cruising position, not a pond with a dock.

Around the marina, the club runs the social layer: the bar and grill, the marsh-front pool, fitness, a game and card lounge, and tennis. Because membership and slips are separate from the HOA, we verify three things for every buying client: current membership tiers and costs, the slip assignment process and waitlist reality for your boat size, and what happens to slip rights at resale. Those answers move real money and they are never on the listing sheet.

Run a boat? We will confirm slip availability, depths, and club terms for your exact vessel before you offer.

Get the Marina File →

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Oyster Bay Harbour. They are approximate and vary with traffic and your exact start point.

Historic downtown Fernandina~10-12 min · Centre Street, dining

Main Beach (the Atlantic)~15 min · the coast

Harris Teeter / island shopping~13 min · groceries

Baptist Medical Center Nassau~12 min · medical

Wildlight / SR-200 corridor~10 min · new retail

Jacksonville Int'l Airport~35 min · travel

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Oyster Bay Harbour Homes for Sale in Fernandina Beach, FL with Momentum Realty’s local guides.

Marshes at Lanceford Homes for Sale in Yulee, FLYulee, FL · 0.5 mi BWBellflower at Wildlight Homes for Sale in Yulee, FLYulee, FL · 0.5 mi

Waterman's Bluff Homes for Sale in Yulee, FLYulee, FL · 0.7 mi

Flora Parke Homes for Sale in Fernandina Beach, FLFernandina Beach, FL · 1.0 mi

Pirates Bluff Homes for Sale in Yulee, FLYulee, FL · 1.2 mi

Sandy Bluff Homes for Sale in Yulee, FLYulee, FL · 1.3 mi

Hickory Village Homes for Sale in Yulee, FLYulee, FL · 1.3 mi

Wildlight Homes for Sale in Yulee, FLYulee, FL · 1.4 mi

Amelia National Homes for Sale in Fernandina Beach, FLFernandina Beach, FL · 1.4 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Oyster Bay Harbour (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Nassau County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Oyster Bay Harbour is served by Nassau County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public K-5

Emma Love Hardee Elementary (Fernandina, verify zoning)

Public 6-8

Fernandina Beach Middle School (verify zoning)

Public 9-12

Fernandina Beach High School (verify zoning)

Public K-12

Yulee feeder schools (verify; peninsula may zone here)

Private Catholic PreK-8

St. Michael Academy, Fernandina Beach

Buying with schools in mind? We can confirm the exact zoned schools for any Oyster Bay Harbour address.

The takeaway

The story around Oyster Bay Harbour is the wider Amelia Island and Nassau County corridor maturing: a federal beach renourishment that protected the island's shoreline in 2025, a six-lane widening and master plan reshaping the SR-200/A1A gateway, and a steady build-out of the Wildlight area just up the road. None of it touches the gate directly, but all of it strengthens the mainland-convenience case this peninsula already makes.

Recent Developments in Oyster Bay Harbour

Development Intelligence

Our read on what is being built around Oyster Bay Harbour, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet positive for an Oyster Bay Harbour owner: shoreline protection, corridor investment, and nearby growth all support values, while the community's own scarcity, 94 finite marsh homesites and 76 marina slips, is unaffected by any of it. The diligence stays community-specific: verify the HOA, the club terms, and slip availability for your boat.

Nassau County Shore Protection Project renourishes Fernandina's beaches

2025

BullishNotable impact

SignificanceRadius: County

A roughly $20M federal renourishment placed sand along about 4 miles of Fernandina's Atlantic shoreline, completed in July 2025, protecting the island's coast and the values that lean on it.

SR-200/A1A corridor widening and master plan reshape the gateway

Ongoing

BullishNotable impact

SignificanceRadius: Corridor

The county's principal gateway is widening from four lanes to six and following an adopted corridor master plan, improving access to I-95 and the Emerging Port of Fernandina just up the road from the gate.

Wildlight area keeps building out up the corridor

Ongoing

NeutralNotable impact

SignificanceRadius: Corridor

New housing, retail, and services in the nearby Wildlight master plan add everyday convenience to the mainland corridor, with the trade-off of more traffic and growth around SR-200.

The club-versus-HOA split is the structural cost fact

Ongoing

NeutralNotable impact

SignificanceRadius: Community

The reported light HOA covers the gate and grounds; the Oyster Bay Yacht Club and the marina are separate, optional costs, so confirm the tier and slip you would use before reading any list price.

Finite marsh frontage and 76 slips are the scarcity

Ongoing

BullishNotable impact

SignificanceRadius: Community

Only 94 marsh homesites and 76 floating slips exist behind the gate, and the marsh cannot be rebuilt, so true frontage and slip access are the resale insurance here.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

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 June 2026.

Showing the latest, scroll for all updates ↓

July 2025
Infrastructure
Nassau County Shore Protection Project completes 2025 beach renourishment
The U.S. Army Corps of Engineers and contractor Marinex Construction completed dredging and sand placement for the 2025 Nassau County Shore Protection Project in July 2025, renourishing roughly 4 miles of Fernandina Beach's Atlantic shoreline under a federally funded project. Why it matters: Shoreline protection underwrites Amelia Island property values broadly, including the marsh-side communities a short drive from the beach. Source
October 2025
Growth
Senior living community at Wildlight clears county review
Nassau County's Development Review Committee recommended approval in October 2025 of a 95,000-square-foot assisted and independent living facility plus six cottage-style homes at Wildlight, the master-planned community up the SR-200 corridor from Fernandina Beach. Why it matters: Continued investment and services along the SR-200 corridor add to the mainland convenience that this peninsula already trades on. Source

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 Strategy

The Oyster Bay Harbour buying strategy.

If we were buying in Oyster Bay Harbour, this is the order of operations we would run, and the one we run for our clients.

Split the ledgers first. Get the current HOA amount and coverage in one column, and the Oyster Bay Yacht Club membership and slip cost in the other, totaled honestly.

Verify the slip for your actual boat. Confirm availability, depth at low tide, the assignment process, and how slip rights behave at resale, in writing.

Confirm which Oyster Bay the listing is in. Harbour (this gated yacht-club peninsula) versus Oyster Bay in Yulee, a separate community that shares the name.

Run flood and insurance early. Pull the FEMA zone for the exact parcel and quote insurance with roof and opening details before the inspection clock starts.

Read the plat, not the photo. True marsh frontage versus a filtered view sets the premium; walk the lot line before you price it, and bring your own representation.

The Quick Decision

Best Buy

A true marsh-front homesite, or a marina-walkable single-family home, bought with the club terms and slip confirmed in writing and your own representation

Biggest Risk

Assuming the club and the slip ride on the HOA, or paying marsh-front money for a marsh-view lot, without splitting the ledgers and walking the plat

Best Lot

True marsh frontage first, then marina-walkable positions, then marsh-view villas; the 94 homesites are finite and the frontage cannot be rebuilt

Smart Timing

Price the membership tier and slip you would actually use, verify FEMA and insurance, and comp inside the right Oyster Bay before you offer, not after

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Product

94 marsh single-family homesites + 98 villas; custom and New Atlantic new builds

Setting

300-acre gated peninsula in 900 acres of marsh-front setting

Water

One mile west of the ICW; tidal marsh and estuary panoramas

Builds

Lowcountry-style customs, established resales, and active new construction

Costs & Fees

HOA

~$236/mo reported; confirm current and any villa sub-dues

CDD

None

Club

Oyster Bay Yacht Club membership and slips are separate, price the tier you would use

Amenities

Marina

76 floating slips for boats 16-65 ft, 4-15 ft at low tide, harbour master, evening security

Club

Clubhouse with bar & grill, fitness center, marsh-front pool, lounge

Courts

Tennis; nature trails through the marsh edge

Storage

RV/boat storage on property

Location

Setting

Gated peninsula west of the Amelia River marshes

Downtown

Historic Fernandina ~10-12 minutes

Airport

Jacksonville International roughly 35 minutes

Homes & Villas

Two products share the gate. The 94 single-family homesites carry Lowcountry-style customs and newer builds, porches, metal roofs, marsh light, with marsh-front positions commanding the premium and interior lots the value. New Atlantic's active building program means true new construction exists here from about $700K, rare for gated waterfront this close to Fernandina.

The 98 villas are the lock-and-leave side: lower entries, club proximity, and the marina lifestyle without house upkeep, popular with seasonal boaters. Confirm villa sub-dues, what they cover, and rental rules. Across both products, build era varies enough that inspections and insurance quotes belong in every offer, this is coastal Florida marshfront, and roofs and openings price the policy.

Community	How it compares to Oyster Bay Harbour
Crane Island	The ultra-luxury version: a private bridged ICW island with curated builders at $2.2M-$16M. Triple the entry for the showcase; Oyster Bay Harbour is the working boater's club at real-life prices.
Long Point	The Plantation's double-gated golf-and-marsh enclave, prestige and Fazio golf over slips and harbour masters. Similar marsh light, different obsession.
Marsh Lakes	Marsh-side living near the island at friendlier money without the club-and-marina layer, the value alternative when the boat is small or trailered.
The Landings on Amelia River	Six new $3.2M+ riverfront condos with deeded slips and Ritz membership, the lock-and-leave luxury answer to the same boating itch.
Summer Beach	The island's gated resort life around the Ritz, beach and golf over marsh and marina, at island pricing.

Pros

The county's only gated neighborhood with a 65-ft-capable marina.
Light reported HOA (~$236/mo) with club life as a choice.
94 finite marsh homesites plus lock-and-leave villas.
RV/boat storage behind the gate, genuinely rare.
Ten minutes to downtown Fernandina, mainland convenience.
Active new construction from ~$700K.

Cons

Club membership and slips are separate, real costs on top.
No beach, no walkable town beyond the club grill.
Marsh-front insurance and flood diligence are mandatory.
Moderate liquidity; lifestyle buyers take time to find.
The Yulee name twin confuses searches and comps.
School zoning needs a direct district check.

Oyster Bay Harbour Homes For Sale

What your money buys in Oyster Bay Harbour.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Oyster Bay Harbour today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Villas

$990K to $1.10M

The 98-villa side: lock-and-leave marsh living with club proximity, the lower entry into the community. Confirm villa sub-association dues and what they cover.

Lowest entry

The Single-Family Core

$1.10M to $1.32M

New Atlantic new builds from around $700K and established Lowcountry-style resales on interior and marsh-view lots, the heart of the market.

Most inventory

The Marsh-Front Premium

$1.32M to $1.32M

The best of the 94 marsh homesites: big customs with panoramic estuary views to roughly $2.5M, the community's strongest scarcity and resale insurance.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$1.12M buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$990K to $1.10M

The Villas

The 98-villa side: lock-and-leave marsh living with club proximity, the lower entry into the community. Confirm villa sub-association dues and what they cover.

$1.10M to $1.32M

The Single-Family Core

New Atlantic new builds from around $700K and established Lowcountry-style resales on interior and marsh-view lots, the heart of the market.

$1.32M to $1.32M

The Marsh-Front Premium

The best of the 94 marsh homesites: big customs with panoramic estuary views to roughly $2.5M, the community's strongest scarcity and resale insurance.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Oyster Bay Harbour, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Golf and lake lots resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Oyster Bay Harbour is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On golf, lake, and preserve frontage, the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Oyster Bay Harbour holds value.

Our read on the factors that protect resale here, and the one to manage.

The county's only gated big-boat marina neighborhoodStrong

Light mandatory HOA with club life as a choiceStrong

Finite marsh frontage and 76 floating slipsPositive

Ten minutes to downtown Fernandina, mainland conveniencePositive

Club and slip costs on top, plus marsh-front insurance diligenceManage it

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Oyster Bay Harbour

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Ignoring the optional club cost
Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

Golf frontage, lakefront, and preserve lots carry real, durable premiums. Pay an estate price for an interior lot and you are buying the weakest version of the value.

Ignoring the club decision

The club is optional and separate, so two similar homes can cost very differently to own. Buyers who do not price the membership they will actually use misread their real monthly number.

Skipping the systems check

A 1990s home means 1990s-era systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Oyster Bay Harbour sells the boater's whole package: gate, slips to 65 feet, club, and marsh quiet, ten minutes from Centre Street. The money is made on two facts buyers skip: the club is not the HOA, and the slip is not the deed.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.6B+ · Buy Score

Resale Strength7.4/10

Renovation Risk7.0/10

Location Efficiency7.8/10

Long-Term Defensibility8.2/10

Carrying Cost Advantage7.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Oyster Bay Harbour is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take

True marsh frontage carries the premium and cannot be rebuilt
Marina-walkable positions trade next, then marsh-view villas
Interior lots and villas are the value tier
Walk the lot line: true frontage versus a filtered view
Confirm the FEMA zone and insurance quote for the exact parcel

Value concentrates in true marsh-front homesites, then marina-walkable positions, then marsh-view villas, with interior lots and villas the value tier. The 94 homesites are finite and the marsh cannot be rebuilt, so frontage is the resale insurance here. The common mistake is paying frontage money for a filtered view: we read the plat and walk the line before pricing it. Marsh-front coastal property also means parcel-specific flood mapping and wind-rated openings matter, so pull the FEMA zone for the exact lot, quote insurance with roof and opening details during diligence, and weigh elevation on older builds. Across both products, build era varies enough that inspections and insurance quotes belong in every offer.

The 15-Second Verdict

Oyster Bay Harbour in 15 seconds.

Best forThe household with a real boat that wants a gated slip to 65 feet ten minutes from downtown Fernandina.

Biggest advantageThe county's only gated big-boat marina neighborhood, with a light mandatory HOA and club life as a choice.

Biggest riskMisreading the cost structure: the club and the slip are separate from the HOA, and a Yulee name twin muddies the comps.

Sweet spotA true marsh-front homesite or marina-walkable home, with the slip and club terms confirmed in writing.

Avoid ifYou want oceanfront, walkable town life, or a boat-free lifestyle; you would be paying for someone else's harbour.

The Cost Structure: Light HOA, Separate Club

15-Second Take

Reported HOA around $236/mo covers the gate and grounds, confirm the current figure
No CDD on the tax bill
The Oyster Bay Yacht Club and the marina are a separate, optional cost
Villa owners may carry a sub-association on top, confirm what it covers
Price the membership tier and slip you would actually use before you offer

Two structures, one distinction that prices everything:

1) The HOA, reported around $236 a month. The gate, common grounds, and community governance, genuinely light for gated waterfront. Villa owners should confirm any sub-association dues covering exteriors and grounds on top.

2) The Oyster Bay Yacht Club, separate and optional. The clubhouse with its bar and grill, fitness center, marsh-front pool and lounge, tennis, and above all the marina operate through the club structure. Membership tiers, dining minimums, and slip costs are real numbers that change, and the deed does not include them. A boating household and a non-boating household carry very different true monthly costs at the same address.

There is no CDD. The diligence beyond the split: current club terms in writing, slip availability and assignment process for the size boat you run, and the HOA's budget and reserve picture, standard single-family association reading rather than condo-tower forensics.

The honest comparison point: ~$236 a month of mandatory cost at a gated marina community is remarkable, island alternatives charge multiples before any boat touches water. The flip side: by the time you add club membership and a slip for a real boat, the total can rival heavier-HOA communities. The structure favors choice; price the choice you will actually make.

Want the current HOA, club tiers, and slip costs in writing for a specific Oyster Bay Harbour home?

Get Real Carrying Costs →

Run Your Numbers

Tools for a Oyster Bay Harbour buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxNassau County millage and the homestead picture.Rent vs buyThe breakeven on owning in Oyster Bay Harbour.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Oyster Bay Harbour

Selling at Oyster Bay Harbour is a lifestyle-buyer sale

Your buyer is buying the marina and the marsh as much as the house, and they are comparing you against island alternatives with very different cost structures. Marketing that does not explain the light-HOA, optional-club math undersells the community's best argument.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Oyster Bay Harbour, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Marsh Lakes, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Oyster Bay Harbour home worth?

Get a no-obligation home value based on real comparable sales in Oyster Bay Harbour matched to your condition, lot, and view, 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 Harbour on the map →
Or get your Oyster Bay Harbour home value & selling guide →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Oyster Bay Harbour year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

How much local inventory is already under contract

28% 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 (2026-06-24).

Oyster Bay Harbour Market Scorecard

Balanced

Oyster Bay Harbour is currently a balanced. About 4.8 months of supply, a median asking price of $1,007,450, and homes go under contract in about 62 days.

4.8

Months supply

$1,007,450

Median list

$1,138,861

Median sold

$313

Per sqft

Days on mkt

2/0/5

Active/Pend/Sold

Typical home value in the 32034 ZIP is $613,375, about 26.2% 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.

Frequently Asked Questions

What is Oyster Bay Harbour?

A gated 300-acre peninsula community in the marshes west of the Amelia River near Fernandina Beach, with 94 single-family marsh homesites, 98 villas, and the Oyster Bay Yacht Club's 76-slip floating marina at its center.

Is this the same as Oyster Bay in Yulee?

No, they are different communities, and the name collision confuses buyers and even some listings. Oyster Bay Harbour is the gated yacht-club peninsula; Oyster Bay in Yulee is a separate community. Confirm which one any listing actually sits in.

What does the marina offer?

76 floating slips accommodating boats 16 to 65 feet, with full-length fingers and 4 to 15 feet of depth at low tide, a harbour master, and evening security. The ICW is about a mile east; the Atlantic roughly four miles of channel beyond.

What is the HOA fee?

Reported around $236 a month, light for a gated waterfront community. Confirm the current amount, what it covers, and any villa sub-association dues for the villa side.

Is the yacht club included in the HOA?

No, and this is the key cost fact: club membership, dining, fitness, pool, and slips are separate from the HOA. Price the membership tier and slip you would actually use before you offer; we get current club terms in writing for every buyer.

What do homes cost?

New Atlantic new builds start around $700K; established customs and marsh-front homes run to roughly $2.5M, and villas trade below the single-family market. Marsh exposure is the biggest variable. Treat these as a dated snapshot and confirm live comps.

Are there new homes available?

Yes, New Atlantic Builders has been actively building, and homesites still trade for custom builds. We track current builder inventory and lot availability.

What amenities come with living here?

The gate, trails, and community setting via the HOA, with the clubhouse (bar and grill, fitness, marsh-front pool, lounge), tennis, marina, and RV/boat storage operating through the club structure. Confirm exactly which amenities ride on which bill.

How is the boating, honestly?

Genuine: protected floating slips, big-boat capability to 65 feet, and quick ICW access at most tides, with the usual marsh-channel awareness at extreme lows. For Nassau County, only Fernandina's commercial marina compares for capability, and it has no gate or neighborhood.

What schools serve the community?

Nassau County schools on the Fernandina and Yulee pattern. The exact zoning for this mainland peninsula deserves a direct district check, as lines differ from island addresses and move as the county grows.

How far is the beach?

About 15 minutes by car to Main Beach. This community trades sand at the door for marsh, marina, and acreage of quiet, so buyers set on walk-to-beach should look at island communities instead.

What is the villa side like?

98 villas offering lock-and-leave marsh living at lower entries, popular with seasonal residents and boaters who want the marina without house upkeep. Confirm villa sub-dues and rental rules if relevant.

Are rentals allowed?

Verify current HOA rules; gated club communities like this typically lean long-term-rental-tolerant and short-term-restrictive, but the documents are the answer, not the assumption.

How does it compare to Crane Island?

Crane Island is the ultra-luxury bridged island on the ICW, with curated builders at much higher entry prices. Oyster Bay Harbour delivers the gated-waterfront-with-dockage life from a fraction of the entry, with a working club instead of a curated showcase.

Is Oyster Bay Harbour a good investment?

Its fundamentals are scarcity ones: 76 slips, finite marsh frontage, a gate, and 10 minutes to a downtown people increasingly want. Liquidity is moderate and club economics matter, so buy the water position and verify the club terms.

Do I need a buyer's agent here?

The listing agent works for the seller. Between the HOA-club split, slip logistics, villa sub-dues, and the Yulee name collision, this community rewards independent verification, at no cost to you as the buyer.

The Verdict

Should you buy in Oyster Bay Harbour?

An honest fit check. We will tell you when it is not your community.

Buyers who run a real boat and want a gated slip to 65 feet at homeExcellent fit

Buyers who want Lowcountry marsh living ten minutes from downtown FernandinaExcellent fit

Buyers who want a light mandatory HOA with club life as a choiceExcellent fit

Buyers who want a lock-and-leave villa or a custom home behind one gateExcellent fit

Buyers who value finite marsh frontage and RV/boat storage behind the gateExcellent fit

Buyers who want oceanfront or sand at the doorProbably not

Buyers who want walkable restaurants and town life beyond a club grillProbably not

Buyers who want every amenity bundled into one mandatory feeProbably not

Buyers who want a boat-free life and would not use the harbourProbably not

Buyers who want high-liquidity resale of a commodity productProbably not

Get the inside read on Oyster Bay Harbour

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Oyster Bay Harbour home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Oyster Bay Harbour specialist will reach out personally, usually the same day.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

Thinking about hiring an agent here? How to find the best real estate agent in Oyster Bay Harbour — what to look for, questions to ask, and your local expert.

Oyster Bay Harbour Fernandina Beach median home price history from 2019 to 2026, chart by Momentum Realty — Median sale price in Oyster Bay Harbour Fernandina Beach, Florida by year (2019 to 2026). Source: Momentum Realty.

Oyster Bay Harbour Homes for Sale in Fernandina Beach, FL

The 60-Second Overview

Who Oyster Bay Harbour is best for.

Best for

Probably not for

How Oyster Bay Harbour is performing right now

Homes For Sale Right Now in Oyster Bay Harbour

Oyster Bay Harbour on the map.

The Club & Membership

How far is everything?

Nearby Communities

Schools

Emma Love Hardee Elementary (Fernandina, verify zoning)

Fernandina Beach Middle School (verify zoning)

Fernandina Beach High School (verify zoning)

Yulee feeder schools (verify; peninsula may zone here)

St. Michael Academy, Fernandina Beach

Recent Developments in Oyster Bay Harbour

Nassau County Shore Protection Project renourishes Fernandina's beaches

SR-200/A1A corridor widening and master plan reshape the gateway

Wildlight area keeps building out up the corridor

The club-versus-HOA split is the structural cost fact

Finite marsh frontage and 76 slips are the scarcity

Nassau County Shore Protection Project completes 2025 beach renourishment

Senior living community at Wildlight clears county review

The Oyster Bay Harbour buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

Pros

Cons

What your money buys in Oyster Bay Harbour.

What ~$1.12M buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Oyster Bay Harbour holds value.

5 Mistakes Buyers Make in Oyster Bay Harbour

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Ignoring the club decision

Skipping the systems check

Momentum Buy Score.

Why our read on Oyster Bay Harbour is different.

Which Lots & Views Hold Value Best

Oyster Bay Harbour in 15 seconds.

The Cost Structure: Light HOA, Separate Club

Tools for a Oyster Bay Harbour buy.

Selling at Oyster Bay Harbour is a lifestyle-buyer sale

In Oyster Bay Harbour, condition and view decide your number

What is your Oyster Bay Harbour home worth?

Price History: What Homes Here Have Actually Sold For

Oyster Bay Harbour Market Scorecard

Frequently Asked Questions

Should you buy in Oyster Bay Harbour?

Get the inside read on Oyster Bay Harbour

You are all set.

Need to sell fast in Nassau County?

You just read the data. Now see what your home is worth.