Summer Beach
Homes for Sale in Fernandina Beach, FL
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 · 29 daysTop listing
Active · 176 days
Active · 32 days
Active · 13 days
Active · 125 daysActive and pending Summer Beach listings as of 2026-09-13, 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.
Summer Beach right now
🟡 Balanced market. 5.5 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 September 13, 2026. Confidence: High (5 active and pending listings, 13 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($1.07M) is up 11.0% from the prior 12 months ($968K). 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 September 13. Confidence: Medium (13 and 10 sales in the two windows).
What's unique here: the median sale price is about 2x the typical Nassau County sale ($1.07M vs $448K, trailing 12 months, realMLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 13, 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 September 13, 2026): the median sale price is about $1.07M ($423 per sq ft over the trailing 12 months of closed sales), a median 14 days on market for closed sales, and 5.5 months of supply, a balanced market. The trailing-12-month median is up 11% from the prior 12 months, computed from record-level realMLS closed sales (13 closings in the current window).
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 September 13 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.07M) IS the median in the snapshot above, and the move from 2025 ($968K) IS the +11.0% one-year change.
Windows contain 0 to 13 sales each (13 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.
29% 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 (2026-09-12).
Summer Beach Market Scorecard
Summer Beach is currently a balanced market. About 5.5 months of supply, a median asking price of $799,000, and homes go under contract in about 32 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 Golfside At 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.
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, tiles © CARTO.
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.
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.
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 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 (7.5). Basis: Recent Direction +11.0% year-over-year; Liquidity & Demand 5.5 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 98.1% 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.
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.
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 →
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?
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: September 13, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending September 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| 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.
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 Summer Beach fits the bigger picture — live prices, inventory, and Momentum Scores: