Ship Watch
Condos for Sale in Fernandina Beach, FL
All 246 homes for sale in Fernandina Beach, FL · median $677,450 · 53 condos for sale in Fernandina Beach · 237 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of BEYCOME OF FLORIDA LLC · via realMLS
As of October 2026, Ship Watch in Fernandina Beach, FL has 4 homes for sale, asking from $949,000 to $1,350,000 (median $1,174,500). Over the 12 months ending 2026-10-01, 3 recorded sales closed at a median of $965,000, $630 per square foot, a median 28 days on market, sellers accepting 92% of original asking (+14% versus the prior year). Homes listed or recently sold were built 1975–1975; 7 of 7 report an HOA (median $1,018/mo); none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 14 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $12,810 ($12,310 with the full homestead exemption).
Homes For Sale Right Now in Ship Watch
Live MLS inventory for Ship Watch. 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 · 79 daysTop listing
Active · 717 days
Active · 227 days
Active · 57 daysActive and pending Ship Watch listings as of 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Ship Watch prices off location and condition, not square footage math alone. At a median of $850,000 and roughly $609 per square foot, this is a coastal-premium submarket in Fernandina Beach where the dollar-per-foot figure tells you the land and setting carry a lot of the value. Expect a wide spread around the median depending on how a given home shows and where it sits.
With median days on market at 28 and a thin closings window, the posture here is steady rather than frantic. A well-presented listing moves in about a month; a buyer has enough time to underwrite carefully but not enough to dawdle on a property that photographs and shows well. Sellers should not assume the median price applies to a home in average condition.
Ship Watch right now
🟢 Buyer-leaning market. 16.0 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 October 1, 2026. Confidence: Medium (4 active and pending listings, 3 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($965K) is up 13.5% from the prior 12 months ($850K). With about 5 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 (3 and 3 sales in the two windows).
What's unique here: the median sale price is about 2x the typical Nassau County sale ($965K 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
Ship Watch market snapshot (as of October 1, 2026): the median sale price is about $965K ($630 per sq ft over the trailing 12 months of closed sales), a median 28 days on market for closed sales, and 16.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 14% from the prior 12 months, computed from record-level realMLS closed sales (3 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 Ship Watch across 2024–2025 (1 in 2024, 4 in 2025), median $970,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Ship Watch is a community of 94 homes in Fernandina Beach, Nassau County, built between 1975 and 1975 (median 1975.0), with a median living area of about 1,472 square feet. 10% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Ship Watch is a small, coastal-priced pocket of Fernandina Beach in Nassau County where per-square-foot values run high and inventory turns over in about a month. It rewards buyers who value the setting over raw size.
The setting & the homes.
Aerial and on-site photos of Ship Watch. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Ship WatchPhotos from realMLS listings in Ship Watch; content deemed reliable but not guaranteed.
Who Ship Watch is best for.
Best for
- Buyers targeting a coastal Fernandina Beach location with a budget comfortable around the mid-$800s
- Those prioritizing setting and condition over the most square footage per dollar
- Buyers who can move on a well-shown home within about a month of listing
Probably not for
- Buyers chasing the lowest possible per-square-foot cost
- Those who need a large selection of active listings to compare
- Buyers who want a stable, high-volume sales history before committing
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 ($965K) IS the median in the snapshot above, and the move from 2025 ($850K) IS the +13.5% one-year change.
Windows contain 2 to 13 sales each (3 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 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.
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).
Ship Watch Market Scorecard
Ship Watch is currently a buyer-leaning market. About 16.0 months of supply, a median asking price of $1,174,500, and homes go under contract in about 227 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 Ship Watch, 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.
Ship Watch 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 Ship Watch
- Pool · reported on 5 of 5 listings
- Beach Access · reported on 4 of 5 listings
- Maintenance Grounds · reported on 4 of 5 listings
- Playground · reported on 4 of 5 listings
- Gated · reported on 4 of 5 listings
- Elevator(s) · reported on 3 of 5 listings
- Security Gate · reported on 3 of 5 listings
- Park · reported on 3 of 5 listings
- Basketball Court · reported on 2 of 5 listings
- Storage · reported on 2 of 5 listings
- Gated with Guard · reported on 2 of 5 listings
- Barbecue · reported on 2 of 5 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Southside · Elementary
- Fernandina Beach · Middle
- Fernandina Beach · High
Zoned schools reflect the assignments reported on recent Ship Watch listings 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 Ship Watch address.
Shop the zone: Homes zoned for Southside Elementary School · Homes zoned for Fernandina Beach Middle School · Homes zoned for Fernandina Beach High School
The Ship Watch buying strategy.
If we were buying in Ship Watch 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 Ship Watch.
Reading a thin, high-ppsf market
The number that defines Ship Watch is the roughly $609 per square foot median. In practice that means condition and position drive price more than footprint, and comparisons between two homes here can swing hard on finishes, views, and how recently the property was updated. Treat the $850,000 median as a center of gravity, not a ceiling or a floor.
Because the closings window is narrow, single transactions carry outsized weight in the stats. That is normal for a small coastal community, but it means you should lean on the qualitative picture as much as the median: how a home shows, what condition it is in, and how it stacks against the current active set rather than a broad historical average.
The location and the amenities are priced into every listing in Ship Watch. 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 Ship Watch 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 (3.7). Basis: Recent Direction +13.5% year-over-year; Liquidity & Demand 16.0 months of supply; Owner Commitment 10% owner-occupied; Pricing Power 92.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a small, high-per-foot market like Ship Watch, the median only gets you so far. We walk the actual homes, weigh condition and position against the current active set, and tell you plainly when a listing is priced for its finishes and when it is priced for its ZIP code. That candor matters more than a headline number when a handful of sales can move the whole picture.
Ship Watch in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $969/month (about $11,628/yr) · median of 57 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $969 per month ($11,628 a year) — the median AssociationFee across 57 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Ship Watch 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 Ship Watch sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ship Watch, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ship Watch home worth?
Get a no-obligation home value based on real comparable sales in Ship Watch, 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 Ship Watch
Homes in Ship Watch 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. 3 on record.
- 1334 Shipwatch Circle #1334 · off market
- 1350 Shipwatch Circle · off market
- 1391 Shipwatch Circle · off market
Frequently Asked Questions
What is the median home price in Ship Watch?
How long do homes in Ship Watch take to sell?
Is Ship Watch a buyer's or seller's market right now?
How many homes are in Ship Watch?
What share of Ship Watch is owner-occupied?
When were the homes in Ship Watch built?
Who is the best real estate agent for Ship Watch?
How do I find a top Fernandina Beach real estate agent who knows Ship Watch?
Can Momentum Realty connect me with an agent for Ship Watch?
Where is Ship Watch, and what county is it in?
How far is Ship Watch from downtown Jacksonville and the beach?
Should you buy in Ship Watch?
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 (1 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2016 (50 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.
Looking to buy here? Search homes for sale →
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See how Ship Watch fits the bigger picture — live prices, inventory, and Momentum Scores:
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Shipwatch Circle (36 homes on record)
Nearby Communities
Explore more neighborhoods near Ship Watch with Momentum Realty’s local guides.