Waterfront Homes for Sale in Fernandina Beach, FL
This page tracks every Fernandina Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
94 waterfront homes are for sale or pending in Fernandina Beach, FL today across 48 communities. The median asking price is $972,000, from $372,500 to $8,200,000. Listings in Fernandina Beach without that feature have a median of $624,995. Most listings right now: Amelia National (5), North Hampton (5), Flora Parke (5). Updated September 27, 2026 from the MLS.
Live waterfront homes in Fernandina Beach: the listings
50 active listings carry the flag today (21% of Fernandina Beach inventory), median asking $820,000, $447/sq ft, median 74 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Fernandina Beach
The most expensive waterfront homes in Fernandina Beach
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 2890 S Fletcher Avenue | $4,999,000 | 2,031 | Bucks |
| 96769 O Neil Scott Road | $3,995,000 | 2,334 | — |
| 6520 Spyglass Circle #6520 | $2,999,999 | 3,364 | Spyglass Villas |
| 940842 Old Nassauville Road | $2,800,000 | 4,862 | Sheffield Bluff |
| 940564 Old Nassauville Road | $1,999,999 | 4,539 | Christopher Creek |
| 940454 Old Nassauville Road | $1,899,999 | 2,859 | — |
| 98137 Little Piney Island Point | $1,799,000 | 4,113 | Piney Island |
| 1421 Highland Drive | $1,689,000 | 1,140 | — |
| 96224 Marsh Lakes Drive | $1,600,000 | 3,415 | Marsh Lakes |
| 95766 Wilder Boulevard | $1,500,000 | 1,913 | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 7 | 14% |
| $500K–$750K | 14 | 28% |
| $750K–$1M | 7 | 14% |
| $1M+ | 22 | 44% |
Fernandina Beach waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Amelia National | 5 | 5 | $945,345 | $757,375 |
| North Hampton | 5 | 0 | $715,000 | $500,000 |
| Flora Parke | 5 | 0 | $554,900 | $469,900 |
| Amelia Walk | 5 | 0 | $489,000 | $456,550 |
| Amelia Concourse | 5 | 0 | $469,000 | $372,500 |
| Amelia Surf & Racque | 4 | 0 | $1,049,999 | $900,000 |
| Marsh View | 4 | 0 | $724,950 | $499,000 |
| Sandcastle Condo | 4 | 0 | $652,500 | $625,000 |
| Ship Watch | 3 | 0 | $1,299,000 | $1,050,000 |
| Oyster Bay Harbours | 3 | 0 | $1,175,000 | $959,000 |
| Beach Walker Village | 3 | 0 | $1,100,000 | $1,000,000 |
| Fernandina Beach | 2 | 0 | $7,842,500 | $7,485,000 |
| Ocean Place Condo | 2 | 0 | $2,072,500 | $2,045,000 |
| Sea Dunes | 2 | 0 | $1,324,995 | $1,049,990 |
| Seymore Point | 2 | 0 | $1,112,000 | $825,000 |
| Amelia South Condo | 2 | 0 | $725,000 | $725,000 |
| Crane Island | 1 | 0 | $7,950,000 | $7,950,000 |
| Bucks | 1 | 0 | $4,999,000 | $4,999,000 |
| Long Point | 1 | 0 | $4,850,000 | $4,850,000 |
| Spyglass Villas | 1 | 0 | $2,999,999 | $2,999,999 |
| Amelia Island | 1 | 0 | $2,950,000 | $2,950,000 |
| Hambys | 1 | 0 | $2,950,000 | $2,950,000 |
| Sheffield Bluff | 1 | 0 | $2,800,000 | $2,800,000 |
| Carlton Dunes | 1 | 0 | $2,800,000 | $2,800,000 |
| Seaside Retreat | 1 | 0 | $2,250,000 | $2,250,000 |
| The Landings On Amelia River | 1 | 0 | $2,200,000 | $2,200,000 |
| Riverbend | 1 | 0 | $2,000,000 | $2,000,000 |
| Christopher Creek | 1 | 0 | $1,999,999 | $1,999,999 |
| Little Piney Island | 1 | 0 | $1,799,000 | $1,799,000 |
| City Of Fernandina Beach | 1 | 0 | $1,689,000 | $1,689,000 |
| Marsh Lakes | 1 | 0 | $1,600,000 | $1,600,000 |
| Florence Point | 1 | 0 | $1,150,000 | $1,150,000 |
| The Residence@amelia Landing | 1 | 0 | $1,100,000 | $1,100,000 |
| Beachwalker | 1 | 0 | $997,000 | $997,000 |
| Nassau Village | 1 | 0 | $985,000 | $985,000 |
| Turtle Dunes | 1 | 0 | $939,000 | $939,000 |
| Christopher Creek Est | 1 | 0 | $879,000 | $879,000 |
| Amelia By The Sea | 1 | 0 | $815,000 | $815,000 |
| The Preserve | 1 | 0 | $765,000 | $765,000 |
| Isleworth | 1 | 0 | $750,000 | $750,000 |
| Kingsley | 1 | 0 | $734,900 | $734,900 |
| Ketch Courtyard | 1 | 0 | $725,000 | $725,000 |
| Nassau | 1 | 0 | $649,900 | $649,900 |
| City Of Fernandina | 1 | 0 | $575,000 | $575,000 |
| Hampton Lake | 1 | 0 | $474,000 | $474,000 |
| Villages of Woodbridge | 1 | 0 | $390,000 | $390,000 |
| Woodbridge | 1 | 0 | $379,000 | $379,000 |
| Timberlake | 1 | 0 | $375,000 | $375,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Fernandina Beach?
What do waterfront homes cost in Fernandina Beach?
Which Fernandina Beach community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Fernandina Beach
- All homes for sale in Fernandina Beach
- Fernandina Beach ZIP codes with prices
- Waterfront communities in Fernandina Beach (community amenities view)
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- Fernandina Beach golf course homes
- Fernandina Beach gated community homes
- Fernandina Beach 4-bedroom homes
- Fernandina Beach homes $300K–$500K
- Waterfront Homes in every city
Live data: realMLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Fernandina Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.