Summer Beach
Homes for Sale in Fernandina Beach, FL
All 271 homes for sale in Fernandina Beach, FL · median $689,000 · 267 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of CRATEM REALTY COMPANY · via realMLS
Homes For Sale Right Now in Summer Beach
Live MLS inventory for Summer Beach. 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 · 70 daysTop listing
Active · 73 days
Active · 217 days
Active · 54 days
Active · 166 daysActive and pending Summer Beach listings as of 2026-10-24, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Price here is driven by condition and location on Amelia Island far more than by any single spec. With a build range spanning 1930 to 2024 and a median year built of 1996, the housing stock is genuinely mixed — original older structures sit alongside recent construction, so two homes of similar size can be worlds apart on price depending on updates and siting. The median living area of roughly 2,617 square feet points to substantial homes rather than starter product.
For buyers, the takeaway is to underwrite each property on its own merits and not lean on a neighborhood average. For sellers, condition and presentation carry outsized weight given how varied the inventory is. A homesteaded share of about 50% tells you this is a real mix of primary-residence owners and second-home or investment holdings, which shapes both who you compete with as a buyer and how you position as a seller.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Summer Beach right now
🟢 Buyer-leaning market. 6.7 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 23, 2026. Confidence: High (5 active and pending listings, 11 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($990K) is up 0.5% from the prior 12 months ($985K). With about 7 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 23. Confidence: Medium (11 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 24, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Summer Beach market snapshot (as of October 23, 2026): the median sale price is about $990K ($383 per sq ft over the trailing 12 months of closed sales), a median 8 days on market for closed sales, and 6.7 months of supply, a buyer-leaning market. The trailing-12-month median is up 0% from the prior 12 months, computed from record-level realMLS closed sales (11 closings in the current window).
In ZIP 32034 (Fernandina Beach), 1,028 homes closed in the last 12 months at a median of $441K ($199/sq ft), up 0.5% year over year, with a median 51 days on market. Right now 224 active and 73 pending listings put supply at about 12.0 months — a buyer's market. See the live ZIP 32034 housing market and the Nassau County market.
County records show 13 qualified sales in Summer Beach across 2024–2025 (8 in 2024, 5 in 2025), median $997,400 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Summer Beach: of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Fernandina Beach.
Summer Beach is a community of 108 homes in Fernandina Beach, Nassau County, built between 1988 and 2023 (median 1997.5), with a median living area of about 3,133 square feet. 81% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Summer Beach is a coastal community in Fernandina Beach on Amelia Island, with 209 homes and a wide vintage range that produces one of the more varied inventory profiles you will find in Nassau County.
The setting & the homes.
Aerial and on-site photos of Summer Beach. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Summer BeachPhotos from realMLS listings in Summer Beach; content deemed reliable but not guaranteed.
Who Summer Beach is best for.
Best for
- Buyers seeking a larger coastal primary residence, comfortable around the median size of roughly 2,617 square feet.
- Second-home buyers who want an Amelia Island foothold and are prepared to hold through varying market conditions.
- Buyers willing to weigh renovation costs and vintage carefully rather than shopping on price per square foot alone.
Probably not for
- Buyers wanting a small, low-maintenance footprint well below the community's median size.
- Buyers who need brand-new construction only and won't consider older stock.
- Buyers looking for a uniform subdivision where age, finish, and layout are consistent across homes.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($990K) IS the median in the snapshot above, and the move from 2025 ($985K) IS the +0.5% one-year change.
Windows contain 0 to 13 sales each (11 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.
Summer Beach Market Scorecard
Summer Beach is currently a buyer's market. About 7.5 months of supply, a median asking price of $779,000, and homes go under contract in about 73 days.
Typical home value in the 32034 ZIP is $617,328, about 27.5% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Summer Beach 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 contributors.
Life at Summer Beach
- Pool · reported on 10 of 12 listings
- Gated · reported on 8 of 12 listings
- Security Gate · reported on 8 of 12 listings
- Jogging Path · reported on 2 of 12 listings
- Elevator(s) · reported on 1 of 12 listings
- Clubhouse · reported on 1 of 12 listings
- Beach Access · reported on 1 of 12 listings
- Barbecue · reported on 1 of 12 listings
- Trash · reported on 1 of 12 listings
- Management - Off Site · reported on 1 of 12 listings
- Entry Phone/Intercom · reported on 1 of 12 listings
- Maintenance Grounds · reported on 1 of 12 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Summer Beach are close: the nearest groceries is about 2 minutes away.
- Harris Teeter · Groceries2 min
- Baxter's Restaurant · Dining2 min
- Palmetto Walk Shopping Village · Shopping2 min
- Starbucks · Coffee2 min
- American Beach Access · Parks7 min
- VITAS Healthcare · Health9 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Southside Elementary SchoolFLDOE grade A · PreK-5
- Fernandina Beach Middle SchoolFLDOE grade A · 6-8
- Fernandina Beach High SchoolFLDOE grade A · 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year 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 Summer Beach address.
Shop the zone: Homes zoned for Southside Elementary School · Homes zoned for Fernandina Beach Middle School
The Summer Beach buying strategy.
If we were buying in Summer Beach 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 Summer Beach.
A mixed-vintage coastal enclave
The defining feature is variety. A build span from 1930 to 2024 means you will tour homes that predate most of the region's coastal development next to ones completed within the last couple of years. The median year built of 1996 sits closer to the middle, but the spread is what matters when you are comparing listings — age alone tells you little about price without factoring in renovation history and exact position within the community.
At a median of roughly 2,617 square feet, this is not a market of small footprints. Combine that with the homestead split near 50% and you have a place that functions as both a primary-residence community and a coastal second-home market. That dual nature affects timing, negotiation, and how comparable sales should be read.
The location and the amenities are priced into every listing in Summer Beach. 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 Summer Beach 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 (6.7). Basis: Recent Direction +0.5% year-over-year; Liquidity & Demand 6.7 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 99.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this varied, the average number lies to you. We price and evaluate individual homes on condition, vintage, and exact location rather than leaning on a neighborhood median, and we will tell you plainly when a listing's asking price does not match what the property actually is.
Summer Beach in 15 seconds.
What it really costs to own in Summer Beach
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $8,038/yr across 7 listings here (MLS tax records, 2026-10-24). Buy at today's median asking price of $779,000 and the first-year bill resets to about $9,800 with homestead (Nassau County total millage 13.2757 mills, FY2025-26, Nassau County Property Appraiser, FY2025-26 adopted budget); municipal and district millage vary within the county. |
|---|---|
| HOA dues | Median $170/month across 9 MLS listings (most billed monthly; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Nassau County is $1,159/yr (389 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 12 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1992 across 8 listings. An original roof here would be about 34 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,083/month (tax $817, HOA $170, insurance $97). An estimate from the sources above, not a quote.
Email me new listings in Summer Beach
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Summer Beach
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Summer Beach will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- No CDD
- HOA reported ~$160/month
- 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.
Page states no CDD.
Flood & Insurance Context
Of 12 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=12) · as of 2026-10
Tools for a Summer Beach 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 Summer Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summer Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Summer Beach home worth?
Get a no-obligation home value based on real comparable sales in Summer Beach, 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 Summer Beach on the map →
Housing distress & ownership in Summer Beach, 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.
Just listed in Summer Beach
The newest homes for sale in Summer Beach right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 96143 Hanging Moss Drive $725,000 · 3 bd · 2.5 ba · 2,064 sq ft · listed Aug 31, 2026 Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
- 5072 Summer Beach Boulevard $1,225,000 · 3 bd · 2 ba · 1,871 sq ft · listed Aug 15, 2026 Courtesy of HI
- 96121 Hanging Moss Drive $799,000 · 3 bd · 2.5 ba · 2,000 sq ft · listed Aug 12, 2026 Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
- 95984 Mimosa Drive $665,000 · 2 bd · 2 ba · 1,360 sq ft · listed May 11, 2026 Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
- 96122 Roddenberry Way $779,000 · 4 bd · 3.5 ba · 2,282 sq ft · listed Mar 21, 2026 Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY
Checked against the MLS nightly. All new listings in this market.
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Fernandina Beach guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Nassau County)
- Homestead exemption (Nassau County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Frequently Asked Questions
What is the median home price in Summer Beach?
How long do homes in Summer Beach take to sell?
Is Summer Beach a buyer's or seller's market right now?
How many homes are in Summer Beach?
What share of Summer Beach is owner-occupied?
When were the homes in Summer Beach built?
What schools serve Summer Beach?
Who is the best real estate agent for Summer Beach?
How do I find a top Fernandina Beach real estate agent who knows Summer Beach?
Can Momentum Realty connect me with an agent for Summer Beach?
Where is Summer Beach, and what county is it in?
How far is Summer Beach from downtown Jacksonville and the beach?
Is Summer Beach in a flood zone?
Is Summer Beach a good place to live?
Should you buy in Summer Beach?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Summer Beach with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 24, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2004 (90 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.
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