Fernandina Beach Homes under $350,000

Fernandina Beach Homes under $350,000

Welcome to Fernandina Beach, Florida—a hidden gem nestled on Amelia Island in Nassau County. With its stunning Atlantic coastline, rich history, and charming downtown area, Fernandina Beach offers the perfect blend of coastal living and small-town charm. Known for its picturesque beaches, vibrant arts scene, and delicious seafood, this enchanting city is a haven for both relaxation and adventure.

For those seeking a home in this idyllic locale, you’ll be pleased to discover that Fernandina Beach has a variety of properties available for under $350,000. Whether you’re a first-time homebuyer, a retiree looking to downsize, or an investor seeking a vacation rental, there’s something for everyone. From cozy beach cottages to modern townhomes, these affordable options allow you to embrace the coastal lifestyle without breaking the bank.

Imagine waking up to the sound of waves crashing and the scent of salt in the air, all while being just minutes away from local shops, restaurants, and outdoor activities. With easy access to stunning parks, historic sites, and the beautiful Amelia Island State Park, your new home will be the perfect launchpad for exploring all that this vibrant community has to offer.

Fernandina Beach is not just a place to live; it’s a lifestyle filled with warmth, community, and endless opportunities for fun. Don’t miss your chance to make this charming coastal town your home—explore the available properties under $350,000 today and start your journey to seaside living in Fernandina Beach!

Newest Fernandina Beach Homes under $350,000

23525 Bahama Point Unit 1621, Fernandina Beach
$319,000
3 Beds ⋅ 2 Baths ⋅ 117480 MLS
RARE 3 BEDROOM CONDO WITH GARAGE IN AMELIA LAKES! Beautifully positioned at the peaceful far end of this gated lakefront community, this well-maintained second-floor villa offers calming water views, added privacy, and one of the most sought-after floor plans in Amelia Lakes. Overlooking the lake from the screened balcony, this 3 bedroom, 2 bath residence combines space, comfort, and exceptional value with a highly desirable detached garage. Inside, the spacious layout features a bright living area with vaulted ceilings, a cozy wood-burning fireplace, open dining space, and an easy-flow kitchen with newer appliances, vinyl flooring, and everyday functionality ideal for full-time living or weekend escapes. The home has been lovingly cared for and offers a move-in-ready feel with tremendous upside for future cosmetic enhancements. The spacious primary suite includes a soaking tub, double vanity, 2 walk-in closets, and peaceful lake views. All bedrooms feature a walk in closet with the rare third bedroom creating flexibility for guests, a home office, art studio, or comfortable full-time island living. Important improvements include new HVAC, new water heater, newer paint, new roof, and fresh exterior paint - giving buyers peace of mind and supporting a smart, low-maintenance lifestyle with low condo fees. Enjoy abundant wildlife from the screened balcony, or stay cozy indoors on cool evenings by the fireplace. Amenities include a gated entrance, pool, tennis courts, fitness center, clubhouse, playground, car care center, and fishing pier. Perfect as a year-round residence, vacation getaway, or investment property. Conveniently located near local restaurants, shopping, historic downtown Fernandina and Amelia Island beaches.

23525 Bahama Point Unit 1621, Fernandina Beach
2583 Forest Ridge Drive Unit N-3, Fernandina Beach
$285,000
2 Beds ⋅ 1 Baths ⋅ 117486 MLS
Live out your Amelia Island coastal living dreams in Forest Ridge Village, just a short stroll from the beach. Start each morning on the shoreline, coffee in hand, as the sun rises over the Atlantic, then head back in the afternoon for a swim, a good book, or a few more hours in the sand. Great local restaurants are an easy bike ride away, and historic downtown Fernandina Beach, with its Centre Street shops and sunsets over the Amelia River, is only minutes away. Between beach trips, enjoy the community's resort-style amenities, including tennis courts, a pool, a playground, and a grill area, all set on charming grounds. Back home, this first-floor, 2-bedroom condo means no hauling chairs and coolers up flights of stairs. It comes mostly furnished with brand-new pieces, making it truly move-in ready, and in-unit laundry adds everyday convenience. When the day winds down, relax on your private balcony in the ocean breeze. Make it your full-time home, your weekend escape, or a short-term rental that helps pay for itself. However you use it, the beach becomes part of every day. Schedule your private showing today.

2583 Forest Ridge Drive Unit N-3, Fernandina Beach
96042 Stoney Creek Parkway Unit 903, Fernandina Beach
$269,990
2 Beds ⋅ 2 Baths ⋅ 2166606 MLS
Looking to Simplify Life? This Is the Spot....No mowing, no stairs to climb, just easy, LOW MAINTENANCE LIVING all on one level. This ground-floor 2-bed/2-bath condo in the gated community of Stoney Creek is near the end of the main road & ready to make life a little simpler. Inside, you'll find a MODERN KITCHEN that's beautiful, featuring 42'' solid cabinets, gorgeous countertops & pantry for all your storage needs. There's a cozy breakfast nook for casual mornings, plus plenty of bar seating if you'd rather grab a quick bite or chat with whoever's cooking. The dining area flows right into the living room, creating that OPEN*EASY*LIVING*FEEL. All the appliances are included even washer & dryer. Tile floors run through the kitchen and bathrooms for easy care, while carpet in the living areas and bedrooms. The SPLIT FLOOR PLAN gives you the best of both worlds, with the primary and second bedroom separated from one another. Here's a little bonus most condos can't offer - a 1-car garage And when you want to unwind, step out to your COVERED PATIO a great little spot for morning coffee or letting the dog stretch his legs -- this is a PET-FRIENDLY COMMUNITY! The complex has a SPARKLING POOL to enjoy and BRAND NEW ROOFS installed in 2025. HOA fees are AFFORDABLE** at just $370 monthly. Just a block off State Road 200, so restaurants, shopping & schools are all close by, and 10min to the Beach. And if you commute for work, you're right where you need to be for easy access to I-95. Right now the home is rented on a month-to-month lease, which gives you some nice flexibility whether you're an investor or looking to move in yourself. Use as primary residence, a second home, or a long-term rental. Don't Miss out on this one!

96042 Stoney Creek Parkway Unit 903, Fernandina Beach
95222 Dwight Drive, Fernandina Beach
$250,000
2 Beds ⋅ 2 Baths ⋅ 2166583 MLS
SHORT*SALE* ALERT* Welcome home to this WARM AND INVITING 1994-built home, full of CHARACTER and set on a spacious ONE-ACRE LOT in the highly sought-after FERNANDINA BEACH SCHOOL DISTRICT -- part of Nassau County Schools, RATED #1 IN THE STATE! Thanks to a QUAINT FRONT ADDITION, this home doesn't look like your typical mobile home at all -- it has the CURB APPEAL AND PERSONALITY of a traditional house, with a warm, welcoming feel from the moment you arrive. Enjoy your morning coffee on the inviting FRONT SITTING AREA, the perfect spot to start the day. Inside, the kitchen features an UPDATED SINK and flows openly into the DINING AREA-- ideal for entertaining or everyday living. The LARGE PRIMARY SUITE offers a comfortable retreat, and a versatile BONUS ROOM provides flexibility as a third bedroom, home office, or den.The property is ALMOST ENTIRELY FENCED, with just a small section left open -- great news for pet owners and All who want room to roam. A BACKYARD SHED adds extra storage or workshop space. Best of all -- NO HOA! Bring your boat, RV, work trucks, and toys. There's plenty of space to spread out and make this property your own. Please note: the home does have some Structural Issues in one room, which is reflected in the attractive price. This is a fantastic opportunity for the right buyer to add value in a prime location. Plus, Seller is willing to Sell/Negotiate the Lawn Equipment including a John Deere Riding Mower, etc... Just 15 minutes Door to Shore of Amelia Island and 10 minutes to Shops, Restaurants, and all the Hustle & Bustle of everything you need. If you are headed to Jax or Kings Bay, just 16 minutes to I-95. Endearing, cozy, and PRICED TO SELL -- this one won't last!

95222 Dwight Drive, Fernandina Beach
95013 Peppers Place, Fernandina Beach
$159,000
3 Beds ⋅ 2 Baths ⋅ 117429 MLS
2006 double-wide manufactured home with permanent residence sticker, 3BD/2BA and 960 SF. Features front porch, fully fenced yard, shed, chicken coop, and newer 18' above-ground pool. Interior has drywall, fresh paint, newer laminate flooring in bedrooms, and vinyl tile in living room. Kitchen has newer appliances and dishwasher. Primary bath has updated tile shower; second bath needs remodeling. HVAC approx. 4 years old and roof approx. 1.5–2 years old. Well/septic.

95013 Peppers Place, Fernandina Beach
96042 Stoney Creek Parkway Unit 903, Fernandina Beach
$269,990
2 Beds ⋅ 2 Baths ⋅ 117367 MLS
Looking to Simplify Life? This Is the Spot....No mowing, no stairs to climb, just easy, LOW MAINTENANCE LIVING all on one level. This ground-floor 2-bed/2-bath condo in the gated community of Stoney Creek is near the end of the main road & ready to make life a little simpler. Inside, you'll find a MODERN KITCHEN that's beautiful, featuring 42" solid cabinets, gorgeous countertops & pantry for all your storage needs. There's a cozy breakfast nook for casual mornings, plus plenty of bar seating if you'd rather grab a quick bite or chat with whoever's cooking. The dining area flows right into the living room, creating that OPEN*EASY*LIVING*FEEL. All the appliances are included even washer & dryer. Tile floors run through the kitchen and bathrooms for easy care, while carpet in the living areas and bedrooms. The SPLIT FLOOR PLAN gives you the best of both worlds, with the primary and second bedroom separated from one another. Here's a little bonus most condos can't offer — a 1-car garage. And when you want to unwind, step out to your COVERED PATIO a great little spot for morning coffee or letting the dog stretch his legs — this is a PET-FRIENDLY COMMUNITY! The complex has a SPARKLING POOL to enjoy and BRAND NEW ROOFS installed in 2025. HOA fees are AFFORDABLE** at just $370 monthly. Just a block off State Road 200, so restaurants, shopping & schools are all close by, and 10min to the Beach. And if you commute for work, you're right where you need to be for easy access to I-95. Right now the home is rented on a month-to-month lease, which gives you some nice flexibility whether you're an investor or looking to move in yourself. Use as primary residence, a second home, or a long-term rental. Don't Miss out on this one!

96042 Stoney Creek Parkway Unit 903, Fernandina Beach
96230 Stoney Drive Unit 2801, Fernandina Beach
$289,900
3 Beds ⋅ 3 Baths ⋅ 117281 MLS
Exceptional value in the gated Cottages at Stoney Creek! This desirable END UNIT offers 3 beds, 2.5 baths & 1,631 SF of spacious, low-maintenance living at one of the LOWEST PRICES PER SQUARE FOOT in the community. Freshly updated & truly move-in ready, the home features fresh interior paint, brand-new stainless steel appliances & new carpet upstairs. The end-unit location provides added privacy, fewer shared walls & abundant natural light, while an attached one-car garage adds everyday convenience. Enjoy the ease of a lock-and-leave lifestyle along with community amenities including a gated entrance & pool. Ideally located with convenient access to I-95, Yulee, Fernandina Beach & Amelia Island. Even more value for the buyer—A preferred-lender incentive equal to 1% of the loan amount toward eligible closing costs or discount points. With its combination of square footage, updates, end-unit location and buyer incentives, #2801 presents an outstanding opportunity in Stoney Creek!

96230 Stoney Drive Unit 2801, Fernandina Beach
96100 Stoney Drive, Fernandina Beach
$249,900
3 Beds ⋅ 2 Baths ⋅ 117218 MLS
Welcome to this 3-bedroom, 2-bath home offering approximately 1,680 square feet of living space in the desirable Stoney Creek community of Fernandina Beach. The home features a comfortable and functional floor plan, plenty of natural light, and an attached garage providing convenient parking and additional storage. Enjoy the added benefit of a community pool, perfect for relaxing and enjoying the Florida sunshine. Conveniently located near shopping, dining, schools, Amelia Island, and the beautiful beaches of Fernandina Beach. A wonderful opportunity to make this home your own and add your personal touches.

96100 Stoney Drive, Fernandina Beach
96230 Stoney Creek Parkway Unit 204, Fernandina Beach
$298,000
3 Beds ⋅ 2 Baths ⋅ 116839 MLS
Exceptional Care, Thoughtful Upgrades & a Prime Fernandina Beach Location! Welcome home to this exceptionally well-maintained 3-bedroom, 2-bath townhome offering 1,680 square feet of comfortable living space in a gated, pet friendly community in the heart of Fernandina Beach. A desirable split floor plan, this home combines thoughtful upgrades, spacious living and a peaceful preserve setting. The inviting family room features a soaring ceiling and is beautifully finished with elegant 5 inch baseboards. New stain-resistant Mohawk carpeting and a freshly painted interior create a move-in-ready feel throughout. A 2025 HVAC system adds peace of mind for years to come. The chef-inspired kitchen is truly the heart of the home, featuring 42-inch cabinetry, newly buffed corian countertops, a center island, walk-in pantry, and a breakfast nook with a charming bay window—an ideal spot to enjoy your morning coffee. Stainless steel appliances include a French-door Hisense refrigerator. The spacious primary suite easily accommodates a king-sized bed and overlooks the tranquil preserve. The primary bath offers a large walk-in shower, soaking tub, dual vanities, and an expansive walk-in closet. Step outside to your screened-in patio retreat, where you can relax and enjoy peaceful evenings overlooking the preserve. A convenient walk-in storage area on the patio provides plenty of room for beach gear, tools and more. A generously sized driveway provides comfortable parking for two vehicles. New roofs 2025. Located close to everything Fernandina Beach has to offer with Amelia Island just minutes away. Exceptionally cared for and thoughtfully updated, this is a home you will want to see in person. Call today for your private showing!

96230 Stoney Creek Parkway Unit 204, Fernandina Beach
95222 Dwight Drive, Fernandina Beach
$250,000
2 Beds ⋅ 2 Baths ⋅ 117125 MLS
SHORT SALE ALERT!! Welcome home to this WARM AND INVITING 1994-built home, full of CHARACTER and set on a spacious ONE-ACRE LOT in the highly sought-after FERNANDINA BEACH SCHOOL DISTRICT — part of Nassau County Schools, RATED #1 IN THE STATE! Thanks to a QUAINT FRONT ADDITION, this home doesn’t look like your typical mobile home at all — it has the CURB APPEAL AND PERSONALITY of a traditional house, with a warm, welcoming feel from the moment you arrive. Enjoy your morning coffee on the inviting FRONT SITTING AREA, the perfect spot to start the day. Inside, the kitchen features an UPDATED SINK and flows openly into the DINING AREA — ideal for entertaining or everyday living. The LARGE PRIMARY SUITE offers a comfortable retreat, and a versatile BONUS ROOM provides flexibility as a third bedroom, home office, or den.The property is ALMOST ENTIRELY FENCED, with just a small section left open — great news for pet owners and All who want room to roam. A BACKYARD SHED adds extra storage or workshop space. Best of all — NO HOA! Bring your boat, RV, work trucks, and toys. There’s plenty of space to spread out and make this property your own. Please note: the home does have some FOUNDATION ISSUES in one room, which is reflected in the attractive price. This is a fantastic opportunity for the right buyer to add value in a prime location. Plus, Seller is willing to Sell/Negotiate the Lawn Equipment including a John Deere Riding Mower, etc... Just 15 minutes Door to Shore of Amelia Island and 10 minutes to Shops, Restaurants, and all the Hustle & Bustle of everything you need. If you are headed to Jax or Kings Bay, just 16 minutes to I-95. Endearing, cozy, and PRICED TO SELL — this one won’t last!

95222 Dwight Drive, Fernandina Beach
806 S 11th Street, Fernandina Beach
$299,000
3 Beds ⋅ 1 Baths ⋅ 117130 MLS
INVESTOR SPECIAL | PRIME LOCATION NEAR DOWNTOWN & THE BEACH |NEW ROOF 2025 | BRING ALL OFFERS Bring your vision to this 3-bedroom, 1-bath home situated on a nice corner lot in the city, conveniently located close to Historic Downtown and the beach. At 936 square feet, this property offers a manageable footprint and plenty of potential for an investor, renovator, or buyer looking to create value in a desirable location. This is a renovation property and is being sold strictly AS-IS. The home needs renovation and updating, and it is priced accordingly to reflect its current condition. This is an opportunity for an investor or renovation-minded buyer to take on a project and transform the property into something special. The corner-lot location and proximity to downtown, the beach, shopping, dining, and everyday amenities add to the property's appeal. Bring your contractor, your vision, and your plans — this is a true investor special with potential in a great location.

806 S 11th Street, Fernandina Beach
1992 Palm Drive, Fernandina Beach
$335,000
3 Beds ⋅ 1 Baths ⋅ 2161913 MLS
ISLAND LIVING in a QUIET, CONVENIENT LOCATION! This charming 3 Bedroom, 1 Bath home offers an incredible opportunity to enjoy the Amelia Island lifestyle while being close to everything Fernandina Beach has to offer or could be the PERFECT INVESTMENT OPPORTUNITY with SHORT TERM RENTABILITY OPTIONS! Situated on a LARGE CORNER LOT along a quiet street just OUTSIDE THE CITY LIMITS this classic 1950s home features 1,092 square feet of comfortable living space with fresh paint, new bedroom doors, some updated electrical and lighting, plus a brand new refrigerator. On the exterior, you'll appreciate the LARGE CARPORT and OVERSIZED STORAGE SHED--perfect for bikes, beach gear, tools, a workshop, or all those island extras! The spacious lot provides plenty of room to enjoy the outdoors, garden, entertain, or create your own backyard retreat. Whether you're looking for a PRIMARY RESIDENCE, ISLAND GETAWAY, or a home you can update and make your own, this property offers a combination of location, lot size, and potential that's hard to find on Amelia Island. Enjoy being just minutes from the BEACH, HISTORIC DOWNTOWN FERNANDINA BEACH, shopping, dining, schools, and everything that makes island living so special!

1992 Palm Drive, Fernandina Beach
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