Stoney Creek
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of EXP REALTY LLC · via realMLS
Stoney Creek is a gated community in Fernandina Beach built entirely in 2008 — all 220 homes share a single construction vintage, which is unusual and means price differences here come down almost entirely to condition and updates rather than era. The median sale price sits at $287,500, working out to $178.78 per square foot on a median home of 1,554 square feet.
Right now there are zero active listings in Stoney Creek, and closings over the trailing 6-month window show pricing down 2.5% year-over-year with a median 63.5 days on market. That combination — no current inventory but a slower, negotiated pace on the last handful of closings — points to a market that isn't moving fast, but also isn't offering sellers much competition to price against. A heat score of 49 backs that up: this is a balanced market, not a bidding-war one. Homestead exemptions cover 45% of homes here, telling you close to half the community is owner-occupied rather than turned over as rentals or investment holds.
Stoney Creek right now
🟡 Still climbing. The trailing-12-month median ($288K) is up 0.9% from the prior 12 months ($285K). With about 6 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 August 19. Confidence: Low (6 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 19, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Stoney Creek market snapshot (as of August 19, 2026): the median sale price is about $288K ($179 per sq ft over the trailing 12 months of closed sales), and a median 64 days on market for closed sales. The trailing-12-month median is up 1% from the prior 12 months, computed from record-level realMLS closed sales (6 closings in the current window).
Stoney Creek is a gated, amenity-supported community of 220 homes in Fernandina Beach (Nassau County), all built in 2008, with a pool, security gate, and off-site management handling grounds and trash.
The setting & the homes.
Aerial and on-site photos of Stoney Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Stoney CreekPhotos from realMLS listings in Stoney Creek; content deemed reliable but not guaranteed.
Who Stoney Creek is best for.
Best for
- Buyers targeting a home priced near the community median who are ready to move quickly once a listing appears.
- Buyers comfortable evaluating updates and condition on a single-vintage 2008 home rather than comparing build eras.
- Owner-occupants planning to hold long-term in a gated, amenity-maintained setting with pool access.
Probably not for
- Buyers who want several active listings to compare side by side before deciding — there are none right now.
- Buyers seeking a fast, low-negotiation close — the recent median of 63.5 days on market suggests a slower pace.
- Investors expecting rapid appreciation — pricing here is down 2.5% year-over-year in the latest window.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 19 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($288K) IS the median in the snapshot above, and the move from 2025 ($285K) IS the +0.9% one-year change.
Windows contain 2 to 12 sales each (6 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.
27% 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 (2026-08-18).
Stoney Creek Market Scorecard
Stoney Creek is currently a balanced market..
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 Stoney 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.
Stoney Creek 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 Stoney Creek
- Pool · reported on 4 of 4 listings
- Gated · reported on 3 of 4 listings
- Security Gate · reported on 3 of 4 listings
- Maintenance Grounds · reported on 1 of 4 listings
- Firewall(s) · reported on 1 of 4 listings
- Management - Off Site · reported on 1 of 4 listings
- Trash · reported on 1 of 4 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
- Fernandina Beach High School (Nassau County School District); verify by address · High
- Fernandina Beach Middle School; verify by address · Middle
- Emma Love Hardee Elementary School; verify by address · Elementary
Zoned schools reflect the assignments reported on recent Stoney Creek 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 Stoney Creek address.
The Stoney Creek buying strategy.
If we were buying in Stoney 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 Stoney Creek.
One Build Year, One Real Question
Because every home in Stoney Creek was built in 2008, the usual question of what era a neighborhood belongs to doesn't apply here — the real variable is what's been updated since. With a median price of $287,500 and $178.78 per square foot on 1,554 square feet of living space, buyers should expect the spread between listings to track renovation and maintenance history more than lot or floor-plan differences.
With zero active listings at the moment, there's nothing on the market to compare against directly — a buyer who wants in has to watch for the next listing rather than choose among several. The trailing 6-month closings window shows a median 63.5 days on market and pricing down 2.5% year-over-year, with a heat score of 49 putting this squarely in balanced-market territory rather than a seller's or buyer's extreme. Homestead exemptions on 45% of the community's 220 homes suggest a meaningful share of owner-occupants alongside non-homestead holdings.
The location and the amenities are priced into every listing in Stoney Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With Stoney Creek currently showing zero active listings, the advantage goes to whoever hears about the next one first — that's where local, on-the-ground tracking of this specific gated community matters more than a general area search. Momentum can also help you read the last several closings against the 2008 build year so you're pricing condition and updates correctly rather than guessing, and can coordinate access through the security gate and off-site management for showings.
Stoney Creek in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Stoney 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 Stoney Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Stoney 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 Stoney Creek home worth?
Get a no-obligation home value based on real comparable sales in Stoney 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 homes for sale in Stoney Creek on the map →
Frequently Asked Questions
What is the median home price in Stoney Creek?
How long do homes in Stoney Creek take to sell?
What schools serve Stoney Creek?
Who is the best real estate agent for Stoney Creek?
How do I find a top Fernandina Beach real estate agent who knows Stoney Creek?
Can Momentum Realty connect me with an agent for Stoney Creek?
Should you buy in Stoney Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Stoney Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 19, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 19, 2026 |
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2008 (89 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 your area comps.
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See how Stoney Creek fits the bigger picture — live prices, inventory, and Momentum Scores: