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Gated Communities on Amelia Island & in Nassau County

59 homes for sale · Updated from the MLS

Nassau County's gates guard water, not just streets: a private 185-acre island on the Intracoastal, a yacht-club community with 76 deep-water slips and a bridge-free run to the Atlantic, and bluff-top enclaves over the Bells River. This guide covers the standouts (Amelia National and the Plantation's club side live in the golf guide), then lists every gated home currently for sale in Nassau County.

Nassau County's gates guard water, not just streets

On and around Amelia Island, the gate usually comes with a dock: a private 185-acre island with its own bridge and new deep-water slips, a yacht-club community with a bridge-free run to the Atlantic, a bluff over the Bells River where the Patriot War once camped, brand-new construction with a marsh boardwalk, and the villa fabric inside the Plantation's gates. Two live listings from each. (Amelia National and the Plantation's club side live in the golf guide.)

Crane Island

Fernandina Beach · Amelia River

Crane Island is the region's most deliberate luxury address: a private 185-acre island on the Intracoastal, reached by its own bridge, entitled for 169 homes but intentionally platted at just 113 — a Southern Living Inspired Community (it hosted the 2019 Idea House) of coastal-Lowcountry customs with over 3,500 feet of waterway frontage. The River House — infinity pool, fire pits, oyster station — serves as the island's living room.

For boaters it's genuinely new inventory in a market that has almost none: 29 slips plus a day dock and private powered lifts on deep water. Developer homesites are down to a short list, so resale is fast becoming the only way in. Finished homes generally run $2M–$4M, with marquee riverfront properties well beyond.

Search Crane Island homes on the map →

Oyster Bay Harbour

Fernandina Beach · Intracoastal (mainland)

Oyster Bay Harbour is the rare Nassau community where the yacht club, not a golf course, is the social center: a gated, 900-acre marsh-front community from 1995 whose private Oyster Bay Yacht Club (pool, fitness, bar and grill, weekly member events) anchors a 76-slip deep-water marina taking boats to 65 feet — with no bridges, locks, or jetties between your slip and the open Atlantic, about 15 minutes out.

The housing fabric splits two ways: roughly 94 large custom homesites (Watson, Haven, Arthur Rutenberg and others across three decades, with New Atlantic and Riverside building newer phases) and about 98 villas and condos with marsh and estuary views — which is why actives here range from the mid-$200s (villas) to nearly $1M.

Search Oyster Bay Harbour homes on the map →

Waterman's Bluff

Yulee · Bells River

Waterman's Bluff occupies ground with a story: the bluff over the Bells River where Eleazar Waterman's 19th-century plantation stood, and where American Patriot War forces camped in 1813 for the commanding river views — there's a historical marker to prove it. Today it's a slow-grown gated community of 142 homesites across 72 acres: Lowcountry homes with deep porches from multiple custom builders over two decades, John Merrill Homes building the newest.

The amenities are water-first — private beach and boat ramp, tidal community dock with kayak launch, a three-acre freshwater lake — and only a handful of homesites remain. It's timeless-Southern rather than production-tract: full-size lots, fishing light, and marsh views at prices that top out around the $800s.

Search Waterman's Bluff homes on the map →

Sandy Bluff

Yulee · Bells River marsh

Sandy Bluff is the newest gate in the county — SEDA New Homes' 100 estate-sized homesites on a 25-foot bluff above the Bells River marsh, newly selling with a combination that's genuinely rare: one builder, a gate, NO CDD fee, and six true riverfront lots with 200–300-foot depths. Every plan (roughly 2,100–3,500+ sq ft) comes with a third-car garage, on lots sized for pools under old oaks and palms.

The signature amenity is the marsh itself: a pathway from the bluff down to a 250-foot boardwalk ending in a 900 sq ft viewing vista at the river's edge, plus a five-acre park with pickleball, a pavilion, and a fenced dog park. New construction runs from the $500s to $1M+ — sub-$1M new homes with real water is a needle almost nothing else in the region threads.

Search Sandy Bluff homes on the map →

The island's most attainable gated living is its villa fabric. Inside Amelia Island Plantation's 1,340 gated acres, Beachwood Villas offers elevator-building flats and townhouses with three private pools and a secluded beach cove — popular in the rental pool — while the Dunes Club Villas are the pinnacle: ~3,200 sq ft oceanfront villas with private-elevator-key access, and the last villas ever built inside the Plantation, so supply is permanently capped.

Between the Ritz-Carlton and the Omni, the gated Amelia Surf & Racquet Club adds classic oceanfront condo living — two oceanfront pools, clay tennis, private walkover — with heavy vacation-rental use. Across all three, the buyer's homework is the same: rental rules, association reserves, and what "club access" does and doesn't come with the deed. Villas run from the $400s to nearly $3M at the Dunes Club.

See all 8 The island's gated villas homes for sale →

The club gates, covered in the golf guide

Amelia National (the county's bundled country club) and Amelia Island Plantation's club side — Long Point, Oak Marsh, and what membership does and doesn't come with a deed — are compared in depth in the Amelia Island golf guide. Del Webb Wildlight's gate lives in the 55+ hub.

How they compare

Crane IslandOyster Bay HarbourWaterman's BluffSandy BluffThe island's gated villas
GatePrivate island + bridgeGated entranceGated entranceGated entrancePlantation / community gates
Era / builders2018+ · Riverside + customs1995+ · custom roster~2001+ · customs, John MerrillNew — SEDA (sole builder)1970s–90s villa stock
Water story29 slips + lifts, Intracoastal76 deep-water slips, no bridges to oceanBoat ramp + tidal dock, Bells River250-ft marsh boardwalk, 6 riverfront lotsOceanfront pools + beach coves
CDD?NoNoNoNoAssociation dues
Typical range$2M–$4M+Mid-$200s–$1MTo the $800s$500s–$1M+$400s–$2.9M
Standout113 lots on a 185-acre private islandYacht club as the social center1813 Patriot War bluff + history markerNew + gated + water, no CDDCapped-supply oceanfront villas

Price ranges reflect current active listings and shift with inventory. Community rules, fees, and amenity details are the HOA’s (or club’s) to change — verify current terms before you rely on them.

Boat first, house second? Browse every home with a dock or deeded slip →

More gated community guidesSt. Johns County · Jacksonville · Ponte Vedra Beach

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Frequently asked questions

What is the most exclusive gated community on Amelia Island?

Crane Island — a private 185-acre island reached by its own bridge, deliberately platted at just 113 homesites (it was entitled for 169), with Southern Living-caliber coastal architecture, a riverfront River House clubhouse, and new deep-water slips on the Intracoastal. Finished homes generally run $2M–$4M and up.

Which Nassau County gated communities have boat access?

Three genuinely deliver: Oyster Bay Harbour's marina has 76 deep-water slips (boats to 65 feet) with no bridges between you and the ocean — about 15 minutes out; Crane Island adds new slips and private lifts on the Intracoastal; and Waterman's Bluff has a private boat ramp and tidal dock on the Bells River.

Are there affordable gated communities near Amelia Island?

The mainland is where the value is: Sandy Bluff in Yulee is brand-new construction from the $500s behind a gate with no CDD fee — including a 250-foot marsh boardwalk to the Bells River — and Waterman's Bluff offers Lowcountry customs on large lots. On the island, the gated villa communities inside Amelia Island Plantation start well below single-family prices.

Is Amelia Island Plantation gated?

Yes — the whole 1,340-acre Plantation sits behind gates, including villa communities like Beachwood Villas and the Dunes Club Villas (the last villas ever built inside, so supply is permanently capped). The club-and-golf side of the Plantation — what membership does and doesn't come with a deed — is covered in the Amelia Island golf guide.

Looking for gated communities on amelia island & in nassau county?

I’ll send new listings the moment they hit the market and walk through the details that don’t show up in the MLS — water access, HOA rules, what a feature really costs to maintain.

Contact Krista
Contact Krista Fracke