Phillips Manor
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 5 closed sales in Phillips Manor in Fernandina Beach, FL since 2013, the most recent in October 2024. Across Fernandina Beach as a whole, 279 homes closed in the last 12 months at a median of $543,250, 57 median days on market, with 95 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $7,210 ($6,710 with the full homestead exemption).
Phillips Manor sits in Fernandina Beach, on the Nassau County side of Northeast Florida's coast. With the snapshot we have here, price is going to be driven far more by the condition and specifics of the individual home than by any neighborhood-wide trend line — a turnkey property and one that needs work can look very different even on the same street.
For buyers, that means the real work is in comparing homes head-to-head rather than assuming a single number tells the story. For sellers, presentation and condition are your levers; the ones that show well are the ones that command attention. Treat the median as a reference point, not a promise.
The 60-Second Overview
Phillips Manor is a small pocket of Fernandina Beach in Nassau County, close enough to the coast that location does a lot of the talking. Inventory here tends to be about individual homes rather than a uniform product, so each listing deserves to be read on its own terms.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Phillips Manor is best for.
Best for
- Buyers who prioritize a coastal Fernandina Beach location and will do the work to compare individual homes
- Buyers comfortable weighing a home's condition and updates against its asking price
- Buyers who want to be near the beach and the town of Fernandina Beach rather than in a large master-planned tract
Probably not for
- Buyers who want a large, uniform selection where every home prices predictably
- Buyers unwilling to evaluate condition differences from one listing to the next
- Buyers who need to be inland or away from the coast for their budget or commute
The market around Phillips Manor
Phillips Manor is too small for its own price trend, so here is the market around it.
In ZIP 32034, 324 homes are on the market and 29% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 513 homes are active and 206 pending (29% under contract).
ZIP and county figures describe the wider market, not Phillips Manor specifically. Momentum Research analysis of MLS records.
The Phillips Manor buying strategy.
If we were buying in Phillips Manor 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 Phillips Manor.
Reading Phillips Manor on its own terms
This is a Fernandina Beach community, and the coastal setting of Amelia Island shapes the appeal — proximity to the beach and the town of Fernandina Beach carries weight that a spreadsheet won't fully capture. What you're buying is a location as much as a floor plan.
Because the homes here vary, the spread in price reflects condition and specifics more than a tidy per-square-foot formula. Walk the comparable properties, weigh what's been updated against what hasn't, and let the individual house — not a headline figure — set your expectations.
The location and the amenities are priced into every listing in Phillips Manor. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small Fernandina Beach pocket like Phillips Manor, the difference between a good buy and an overpay comes down to reading condition against price on each specific home. We work the Nassau County coast closely, we'll walk the comps with you honestly, and we'll tell you plainly when a particular listing — or this community — isn't the right fit for your goals.
Phillips Manor in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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.
Tools for a Phillips Manor 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 Phillips Manor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Phillips Manor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Phillips Manor home worth?
Get a no-obligation home value based on real comparable sales in Phillips Manor, 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 →
Should you buy in Phillips Manor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2013 (5 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Phillips Manor fits the bigger picture — live prices, inventory, and Momentum Scores:
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau 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 · Nassau 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.