What $800k buys in Amelia Island & Fernandina Beach right now: three homes, compared.
Across Amelia Island & Fernandina Beach’s neighboring subdivisions, 104 homes are for sale at or under $800k today, at a median of $595,000. The three below are picked by rule, not by anyone’s preference: the most space, the newest, and the best price per square foot, each a different home, compared on the facts the MLS carries. The brief underneath is mine.
By Krista Fracke — Broker Associate, Christie's International Real Estate First Coast · 20+ years in Northeast Florida · 500+ closings · client reviews
The brief
At $800k on and around Amelia Island the budget buys the island or the mainland side: a historic-district house or a near-ocean condo in Fernandina Beach, or a golf-community home at Amelia National or North Hampton between I-95 and the bridges with a Zone X lot and a tier less price. The three homes below show that trade today.
The three homes
The most space
$475,000
2017 Clinch Drive, Fernandina Beach, FL 320345 bd · 2 ba · 4,264 sqft · built 1949
City Of Fernandina Beach
The largest living area at this budget across the ring.
Listed by SUMMER HOUSE REALTY
The newest
$744,900
95260 Golden Glow Drive, Fernandina Beach, FL 320344 bd · 3 ba · 3,085 sqft · built 2027
Amelia National →The most recent build year at this budget, a different home.
Listed by RICK WOOD & ASSOCIATES INC
The best price per square foot
$489,000
85030 Champlain Drive, Fernandina Beach, FL 320345 bd · 3.5 ba · 3,071 sqft · built 2008
Amelia Walk →The lowest asking price per square foot of the three, a different home again.
Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS
| Side by side | The most space | The newest | The best price per square foot |
|---|---|---|---|
| Price | $475,000 | $744,900 | $489,000 |
| Price per sqft | $111 | $241 | $159 |
| Beds / baths | 5 / 2 | 4 / 3 | 5 / 3.5 |
| Living area | 4,264 sqft | 3,085 sqft | 3,071 sqft |
| Year built | 1949 | 2027 | 2008 |
| Lot | 0.60 ac | 0.19 ac | 0.23 ac |
| HOA (reported) | None reported | $75/mo | $7/mo |
| FEMA zone | X | X | X |
| Days on market | 277 | 100 | 43 |
| Last tax bill | $5,642 (2024) | $4,015 (2025) | $4,557 (2025) |
| Subdivision | City Of Fernandina Beach | Amelia National | Amelia Walk |
Live from the MLS, refreshed hourly. HOA as reported by the listing; district (CDD) assessments ride the tax bill and are not in the HOA figure. FEMA zone computed from each home’s coordinates. Listings courtesy of the brokerages named.
What this budget forces you to decide here
Island or mainland side
Fernandina Beach addresses cover both. The island carries the beach, the harbor and the coastal quote; the mainland side carries golf, newer homes and Zone X.
A 1900s house or a 2000s one
The historic district’s Victorian stock and the 2000s mainland plans price insurance very differently. Roof, wiring and elevation decide it on the island.
Condo rules
The near-ocean condo tier carries the building’s reserves and its short-term-rental rules, which differ by building and by zoning.
Newest at or under $800k
- 604 N 15th Street, Fernandina Beach, FL 32034$649,000 · 3 bd · 1,318 sqft · Highland Heights
- 703 Bonnieview Road, Fernandina Beach, FL 32034$559,000 · 3 bd · 1,902 sqft · Metes & Bounds
- 2168 Whitfield Drive, Fernandina Beach, FL 32034$675,000 · 3 bd · 1,808 sqft · Lakewood
- 2019 Village Lane, Fernandina Beach, FL 32034$490,990 · 3 bd · 1,775 sqft · Island Village
- 2158 Hibiscus Court, Fernandina Beach, FL 32034$469,950 · 3 bd · 1,718 sqft · Amelia Green
- 34040 Lavender Parke Drive, Fernandina Beach, FL 32034$524,900 · 3 bd · 2,237 sqft · Flora Parke
See it this week
Narrowing it down in Amelia Island & Fernandina Beach?
Tell me what you need and I will line up the showings. I pull the flood zone and the true monthly cost on each one before we go.
Call (904) 333-8595 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
This is the work I do every week. Shopping Amelia Island & Fernandina Beach at $800k? Tell me what the home has to do for you and I will run this comparison for your shortlist every week, with the district line, the HOA and the flood zone in the same column, until you have the house.
Work with Krista (904) 333-8595 Text
Broker Associate · Christie's International Real Estate First Coast · 20+ years · 500+ closings
Common questions
Is $800k enough to buy in Amelia Island & Fernandina Beach?
The live count at the top of this page is the honest answer for today: every home for sale across these neighboring subdivisions at or under $800k, with the median. The three homes below are picked from that set by rule (most space, newest, best price per square foot), so what you see is what the money buys this week, not a brochure.
How are the three homes chosen?
By rule, from every marketable listing in the ring at or under the budget: the largest living area, the newest build year, and the lowest price per square foot, each a different home. The set refreshes with the feed. No home is featured by arrangement and no listing agent is involved in the pick.
Is Amelia National on Amelia Island?
No. Amelia National, North Hampton, Amelia Walk and Flora Parke are on the mainland between I-95 and the bridges, with Fernandina Beach addresses; they are ten to fifteen minutes from the beach, mostly in Zone X and priced a tier below the island. This site lists them under Amelia Island as its mainland side.
Other budgets, other rings
Want Amelia Island & Fernandina Beach run at your budget?
Three homes a week, picked by the same rule, with every bill in the same column.
The Amelia Island hub
The island by MLS area, Fernandina Beach as its city, and the mainland side between I-95 and the bridges: resort-grade sand, the historic harbor, and the friendliest direct-oceanfront pricing on the coast.
Communities
Guides & tours
- Living on Amelia — the honest guide
- Nassau County flood zones, island and mainland
- From the Ritz weekend to the address
- The Plantation club, explained
- American Beach — the island’s deepest history
- Fernandina historic district, honestly
- The paper-mill question, answered
- The coastal condo tour day
- The 7 best beach neighborhoods, ranked
- Oceanfront across the region
Nearby