Turtle Dunes
Homes for Sale in Amelia Island, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of SHRIMP CAPITAL REALTY · via realMLS
Turtle Dunes trades on scarcity as much as on the gate itself. There is one active listing and one recorded closing in the current window, and months of supply sits at 12 — a figure built off very few transactions rather than a deep, liquid market. That thinness is the story here more than any single price point: whatever is listed effectively sets the market until the next home comes along.
For a buyer, that means limited choice but real room to negotiate given the buyer-leaning posture, since there is no competing inventory pushing offers higher. For a seller, it cuts the other way — with only one comparable active and one closing to point to, pricing has to be grounded in the home itself (condition, lot, gate proximity) rather than a pattern of recent sales, because that pattern barely exists right now.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Turtle Dunes 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
Turtle Dunes is a gated, guard-attended enclave on Amelia Island in Nassau County built around beach access, tennis, and a community pool — a small footprint that shows up in the data as thin, low-volume trading rather than a broad, comparable market.
realMLS (Northeast Florida) sales records identify 24 homes in Turtle Dunes that have changed hands since 2014, built between 1985 and 1985 (median 1985), with a median living area of about 1,300 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. 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 7 qualified sales in Turtle Dunes across 2024–2025 (5 in 2024, 2 in 2025), median $1.15M — 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.
The setting & the homes.
Aerial and on-site photos of Turtle Dunes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Turtle DunesPhotos from realMLS listings in Turtle Dunes; content deemed reliable but not guaranteed.
Who Turtle Dunes is best for.
Best for
- Buyers who want gated, guard-attended security and beach access and are ready to act on a single available listing rather than wait for more options
- Buyers comfortable negotiating in a buyer-leaning market where there is little competing inventory to push terms
- Buyers who prioritize the amenity package — pool, tennis, jogging path, playground — over having a large pool of homes to compare
Probably not for
- Buyers who want to compare several similar homes before deciding on one
- Buyers who rely on a long, steady sales history to judge fair pricing
- Buyers who need frequent new listings and fast inventory turnover to shop against
The market around Turtle Dunes
Turtle Dunes is too small for its own price trend, so here is the market around it.
In ZIP 32034, 275 homes are on the market and 19% are under contract — a steady corner of Amelia Island.
Across Nassau County, 505 homes are active and 178 pending (26% under contract).
In ZIP 32034 (Amelia Island), 898 homes closed in the last 12 months at a median of $456K ($207/sq ft), up 0.4% year over year, with a median 55 days on market. Right now 218 active and 83 pending listings put supply at about 2.9 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 Turtle Dunes specifically. Momentum Research analysis of MLS records.
Life at Turtle Dunes
- Beach Access · reported on 1 of 1 listings
- Gated · reported on 1 of 1 listings
- Jogging Path · reported on 1 of 1 listings
- Playground · reported on 1 of 1 listings
- Security · reported on 1 of 1 listings
- Tennis Court(s) · reported on 1 of 1 listings
- Pool · reported on 1 of 1 listings
- 24 Hour Security · reported on 1 of 1 listings
- Gated with Guard · reported on 1 of 1 listings
- Security Gate · reported on 1 of 1 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 Turtle Dunes are close: the nearest dining is about 1 minutes away.
- Nonna Mia · Dining1 min
- Amelia Island Nature Center · Parks2 min
- Palmetto Walk Shopping Village · Shopping6 min
- Starbucks · Coffee7 min
- Harris Teeter Pharmacy · Groceries8 min
- VITAS Healthcare · Health14 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Turtle Dunes with Momentum Realty’s local guides.
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 Turtle Dunes address.
Recent Developments in Turtle Dunes Fernandina Beach
Development, infrastructure, retail, and school activity affecting Turtle Dunes Fernandina Beach, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Market
Northeast Florida home sales dip in September as inventory tightens
Closed sales across the six-county Northeast Florida Association of Realtors area fell 7.7% year over year to 1,608, with the median price at $398,566, up 2.8%. Active inventory dropped 18.4% to 6,348 homes. Median prices were $344,000 in Duval, $575,000 in St. Johns, $355,000 in Clay and $496,500 in Nassau.
What it may mean for the marketLower inventory with softer sales volume points to a thinner supply of listings across all four counties, with Clay the only one of the four showing a year-over-year price decline. The site is about 5 miles south of Turtle Dunes Fernandina Beach.
Source: Clay Today - October 2026Development
FSCJ opens large automated semiconductor training lab, a first for Florida
Florida State College at Jacksonville has built a fully automated lab it describes as the first of its kind in Florida for its size. Students train on electrical, robotics, mechatronics, AI inspection and control systems used in chip manufacturing. The college says it aims to help draw semiconductor companies to Northeast Florida and prepare workers for local manufacturers.
What it may mean for the marketA regional technical-training pipeline can support recruitment of advanced manufacturers, which would widen the local employment base. The site is about 5 miles south of Turtle Dunes Fernandina Beach.
Source: News4JAX - October 2026Retail & Dining
Council committee defers vote on incentives for Downtown Publix at 119 W. Beaver St.
The Finance Committee deferred a $49.65 million incentive package for Gateway Jax's $140.15 million high-rise anchored by a Publix at 119 W. Beaver St. The tower is planned with 259 apartments and about 400 parking spaces. The committee is scheduled to revisit the bill Nov. 4, the day after the Amendment 3 vote.
What it may mean for the marketThe timing of the first full-size grocery store in the Downtown core depends on the incentive vote, affecting nearby retail access. The site is about 5 miles south of Turtle Dunes Fernandina Beach.
Source: Jacksonville Today - September 2026Development
Gateway Jax seeks more than $70 million in city incentives for Riverfront Plaza tower and Hotel Merrydelle
Gateway Jax is requesting about $55.4 million in incentives for a 17-story, roughly $271.5 million Riverfront Plaza tower with 130 to 170 hotel rooms and 50 to 150 residences on Independent Drive. It also seeks a $15 million loan for the nearly $50 million renovation of the former Ambassador Hotel at 420 Julia Street. The Downtown Investment Authority board votes Sept. 16 and City Council has the final say.
What it may mean for the marketIf approved, the projects would add hotel rooms, residences and restaurants along the Downtown riverfront. The site is about 5 miles south of Turtle Dunes Fernandina Beach.
Source: Jacksonville Today - September 2026Development
Downtown review board approves concept for first new University of Florida graduate campus building in LaVilla
The Downtown Development Review Board voted 7-0 on Sept. 10 for a six to eight story, roughly 185,000 square foot academic building on a 2.34-acre site bounded by West Bay, Forsyth and North Lee streets. It is the first new building in a multiphase UF graduate and semiconductor institute campus estimated at $345 million. UF hopes to break ground in December, pending final design review and permitting.
What it may mean for the marketA large graduate campus adds education and technology jobs and daytime foot traffic to the western Downtown core. The site is about 6 miles south of Turtle Dunes Fernandina Beach.
Source: Jacksonville Today - April 2026Development
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
What it may mean for the marketA large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles east of Turtle Dunes Fernandina Beach.
Source: JAXPORT
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Turtle Dunes buying strategy.
If we were buying in Turtle Dunes 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 Turtle Dunes.
Turtle Dunes: gated amenities, a thin data set
The amenity package is the draw: beach access, a security gate with 24 hour security and guard staffing, tennis courts, a pool, a jogging path, and a playground, all reported across this community's MLS listings. It reads as a full-service gated address, though as with any HOA-run amenity set, current access and condition are worth confirming directly with the association rather than assumed from listing history.
The market side is quieter. With one active listing, one closing in the trailing window, and 12 months of supply, Turtle Dunes is currently classified buyer-leaning — but that label is being carried by a very small sample. Anyone tracking this community should treat the numbers as directional, not as a statistically deep trend, and expect the picture to shift meaningfully with the next listing or closing rather than staying stable month to month.
The location and the amenities are priced into every listing in Turtle Dunes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A community with one active listing and one closing on record does not give you much of a public trend to lean on, so the value of representation shifts toward knowing that single listing, the last closing, and the gate's actual access rules in real time — not from a stale data pull. Momentum tracks Turtle Dunes at that granular level, confirms amenity and gate details directly with the HOA before a client relies on them, and reads the buyer-leaning posture in context rather than treating a thin sample as a firm trend.
Turtle Dunes 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 Turtle Dunes 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 Turtle Dunes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Turtle Dunes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Turtle Dunes home worth?
Get a no-obligation home value based on real comparable sales in Turtle Dunes, 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 Turtle Dunes on the map →
| Location | Amelia Island, Nassau County, FL · ZIP 32034 |
|---|---|
| Homes in the community | 58 (FL DOR 2025 assessment roll) |
| Years built | 1985–1985 (median 1985.0) |
| Typical living area | 1,465 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 3% |
| Zoned public schools | Southside Elementary School (A, FLDOE 2025-26); Fernandina Beach Middle School (A, FLDOE 2025-26); Fernandina Beach High School (A, FLDOE 2025-26) |
Data as of November 12, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Turtle Dunes key facts,” movewithmomentum.com/neighborhoods/turtle-dunes-fernandina-beach, data as of November 12, 2026.
Housing distress & ownership in Turtle Dunes, Amelia Island
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.
More Amelia Island home searches
- Homes for sale in Nassau County, FL
- ZIP 32034 housing scorecard
- 2 coming-soon communities in Nassau County
Amelia Island guides & data
- Property taxes (Nassau County)
- Homestead exemption (Nassau County)
- New construction (Nassau County)
- Home builders (Nassau County)
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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Email me new listings in Turtle Dunes
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 Turtle Dunes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Turtle Dunes will answer, and the answer is published on this page for the next buyer.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Turtle Dunes Fernandina Beach year by year since 2014, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
How many homes are in Turtle Dunes?
What share of Turtle Dunes is owner-occupied?
When were the homes in Turtle Dunes built?
What schools serve Turtle Dunes?
Who is the best real estate agent for Turtle Dunes?
How do I find a top Amelia Island real estate agent who knows Turtle Dunes?
Can Momentum Realty connect me with an agent for Turtle Dunes?
Where is Turtle Dunes, and what county is it in?
How far is Turtle Dunes from downtown Jacksonville and the beach?
Should you buy in Turtle Dunes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 27, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32034/32045)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2014 (28 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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