Southern Creek
Homes for Sale in Fernandina Beach, FL
All 233 homes for sale in Fernandina Beach, FL · median $675,000 · 230 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 11 closed sales in Southern Creek in Fernandina Beach, FL since 2024, the most recent in August 2026. Across Fernandina Beach as a whole, 277 homes closed in the last 12 months at a median of $540,000, 56 median days on market, with 96 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $7,170 ($6,660 with the full homestead exemption).
Southern Creek sits in Fernandina Beach, in Nassau County, and the honest starting point is that this is a small, low-turnover pocket rather than a high-volume market. With a short closings window behind us, there isn't a deep pool of recent sales to lean on, so price here is driven less by a broad trend line and more by the specifics of the individual home — condition, updates, lot, and how it shows.
For a seller, that means pricing off the property itself and the handful of comparable closings, not off a headline average. For a buyer, it means patience and a willingness to move when the right listing appears, because inventory in a community this size does not turn over on a predictable schedule. Neither side should expect a fast-moving, data-rich market; both should expect to underwrite each home on its own merits.
Nearby homes for sale
No active listings inside Southern Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Southern Creek is a small residential community in Fernandina Beach that trades on a Nassau County, Amelia Island-adjacent location — close enough to the coast and to town to matter, quiet enough that listings are infrequent.
realMLS (Northeast Florida) sales records identify 8 homes in Southern Creek that have changed hands since 2024, built between 2023 and 2024 (median 2024), with a median living area of about 2,707 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 8 qualified sales in Southern Creek across 2024–2025 (5 in 2024, 3 in 2025), median $608,800 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Southern Creek is best for.
Best for
- Buyers prioritizing a coastal Fernandina Beach location who can act quickly when a listing appears
- Long-hold buyers comfortable underwriting a home on its own condition and merits
- Sellers who can wait for the right buyer rather than force a fast sale
Probably not for
- Buyers on a strict move-in deadline who need guaranteed available inventory
- Shoppers who want a large set of comparable listings to compare at once
- Anyone expecting a fast, data-rich market with frequent turnover
The market around Southern Creek
Southern Creek is too small for its own price trend, so here is the market around it.
In ZIP 32034, 322 homes are on the market and 29% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 511 homes are active and 210 pending (29% under contract).
In ZIP 32034 (Fernandina Beach), 964 homes closed in the last 12 months at a median of $456K ($210/sq ft), up 1.2% year over year, with a median 56 days on market. Right now 209 active and 104 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32034 housing market and the Nassau County market.
ZIP and county figures describe the wider market, not Southern Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Southern Creek, 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.
The Southern Creek buying strategy.
If we were buying in Southern Creek 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 Southern Creek.
A thin-inventory community
The defining feature of Southern Creek is scarcity of transactions. When only a limited number of homes change hands in a given window, each sale carries outsized weight, and a single updated or dated property can skew how the community looks on paper. That is why we treat any average here as a starting question, not an answer.
The upside of low turnover is stability — homes are held, not flipped, and the location does the heavy lifting on long-term desirability given its position in Fernandina Beach. The tradeoff is timing: buyers who need to be in a specific community by a specific date will find the limited flow of listings frustrating, and sellers benefit most when they can wait for the right buyer rather than chase a quick close.
The location and the amenities are priced into every listing in Southern Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, general market data won't get you to the right number — you need someone reading each individual sale and each active listing on its own terms. We track Southern Creek closely enough to tell a seller what actually moves their price and to warn a buyer when a listing is priced off condition rather than the market. That is the level of ground-truth this pocket of Fernandina Beach requires.
Southern Creek 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 Southern Creek 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 Southern Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Southern Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Southern Creek home worth?
Get a no-obligation home value based on real comparable sales in Southern Creek, 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 →
Frequently Asked Questions
How many homes are in Southern Creek?
What share of Southern Creek is owner-occupied?
When were the homes in Southern Creek built?
Who is the best real estate agent for Southern Creek?
How do I find a top Fernandina Beach real estate agent who knows Southern Creek?
Can Momentum Realty connect me with an agent for Southern Creek?
Should you buy in Southern Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2024 (11 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Southern Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Southern Creek. These are the public schools most often assigned to other communities in ZIP 32034; zones change and vary by address, so confirm with the district before you buy.
- Fernandina Beach High School · 9-12 · FLDOE grade A (assigned to 23 nearby communities)
- Fernandina Beach Middle School · 6-8 · FLDOE grade A (assigned to 21 nearby communities)
- Yulee Middle School · 6-8 · FLDOE grade A (assigned to 14 nearby communities)
- Yulee High School · 9-12 · FLDOE grade A (assigned to 14 nearby communities)
- Southside Elementary School · PK-2 (assigned to 12 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Nearby Communities
Explore more neighborhoods near Southern Creek with Momentum Realty’s local guides.