St Patricks Cove
Homes for Sale in Fernandina Beach, FL
All 246 homes for sale in Fernandina Beach, FL · median $677,450 · 237 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 3 closed sales in St Patricks Cove in Fernandina Beach, FL since 2016, the most recent in December 2024. Across Fernandina Beach as a whole, 277 homes closed in the last 12 months at a median of $480,000, 48 median days on market, with 102 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $6,370 ($5,870 with the full homestead exemption).
St Patricks Cove sits in Fernandina Beach, on Amelia Island in Nassau County, and that location does most of the pricing work. This is a small pocket rather than a sprawling master-plan, so what sells here is the combination of island proximity and the specific condition of whatever home comes up. With limited inventory in a community this size, individual listings carry more weight than any broad market average.
For a buyer, the posture is patience: expect to move when the right home appears rather than shop a deep, always-available pool. For a seller, the same scarcity is leverage, but only if the home is priced to its actual condition and presentation. Small communities reward realism over ambition on the list price.
Nearby homes for sale
No active listings inside St Patricks Cove 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
St Patricks Cove is a compact Fernandina Beach community on Amelia Island, close to the coast and the historic downtown corridor that defines this part of Nassau County.
County records show 5 qualified sales in St Patricks Cove across 2024–2025 (3 in 2024, 2 in 2025), median $545,000 — 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 St Patricks Cove is best for.
Best for
- Buyers prioritizing Amelia Island location and beach proximity over a wide range of choices
- Those comfortable waiting for the right home to come available in a small community
- Buyers who value proximity to Fernandina Beach's historic downtown corridor
Probably not for
- Buyers who need to compare many active listings before committing
- Anyone on a rigid timeline who cannot wait out limited inventory
- Buyers wanting a large amenity-driven master-planned community
The market around St Patricks Cove
St Patricks Cove is too small for its own price trend, so here is the market around it.
In ZIP 32034, 325 homes are on the market and 27% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 521 homes are active and 194 pending (27% under contract).
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.
ZIP and county figures describe the wider market, not St Patricks Cove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in St Patricks Cove, 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 St Patricks Cove buying strategy.
If we were buying in St Patricks Cove 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 St Patricks Cove.
A small-pocket island market
Because St Patricks Cove is a smaller community rather than a large subdivision, price here is driven less by a repeatable floor plan and more by condition, updates, and lot specifics. Two homes on the same street can trade very differently depending on how they have been maintained and finished, so comparables need to be read carefully rather than averaged.
The draw is Fernandina Beach itself: beach access on Amelia Island, the downtown historic district, and the wider Nassau County setting. That location gives the community durable appeal, but it also means buyers are paying for place as much as for the house, and offers should account for that.
The location and the amenities are priced into every listing in St Patricks Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-inventory island pocket like this, the edge comes from knowing when a listing is worth moving on and how to price condition honestly against thin comparables. We track St Patricks Cove and the surrounding Fernandina Beach market closely, and we will tell you plainly when a home is not the fit you are paying for.
St Patricks Cove 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 St Patricks Cove 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 St Patricks Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Patricks Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St Patricks Cove home worth?
Get a no-obligation home value based on real comparable sales in St Patricks Cove, 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 →
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.
Frequently Asked Questions
How many homes are in St Patricks Cove?
What share of St Patricks Cove is owner-occupied?
When were the homes in St Patricks Cove built?
Who is the best real estate agent for St Patricks Cove?
How do I find a top Fernandina Beach real estate agent who knows St Patricks Cove?
Can Momentum Realty connect me with an agent for St Patricks Cove?
Where is St Patricks Cove, and what county is it in?
How far is St Patricks Cove from downtown Jacksonville and the beach?
Should you buy in St Patricks Cove?
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 2026-09-24 |
| Historical depth | Closed-sale records back to 2016 (3 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 St Patricks Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for St Patricks Cove. 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 St Patricks Cove with Momentum Realty’s local guides.