City Of Fernandina Beach Homes under $900,000

City Of Fernandina Beach Homes under $900,000

Welcome to the charming City of Fernandina Beach, nestled on the picturesque Amelia Island in Nassau County, Florida. Known for its stunning coastal scenery and rich history, this vibrant community offers a perfect blend of small-town charm and modern amenities. With its beautiful beaches, lush parks, and a thriving downtown area, Fernandina Beach is a haven for those seeking a relaxed yet engaging lifestyle.

For homebuyers looking for affordable options, Fernandina Beach boasts a variety of homes priced under $900,000. This makes it an excellent choice for families, retirees, and anyone in between who desires to call this coastal paradise home. Whether you’re searching for a cozy cottage just steps from the beach or a spacious family home with a backyard oasis, you’ll find a diverse selection of properties that cater to your needs.

The real estate market in Fernandina Beach is as diverse as its residents, featuring charming historic homes, contemporary builds, and everything in between. Many of these homes come equipped with modern amenities, spacious layouts, and outdoor living spaces perfect for enjoying the Florida sunshine.

Living in Fernandina Beach means embracing a lifestyle filled with outdoor activities, from surfing and fishing to exploring the nearby nature trails. With a strong sense of community and an array of local events, you’ll never run out of things to do or people to meet. Discover your dream home in Fernandina Beach today, and experience the enchanting allure of coastal living!

Newest City Of Fernandina Beach Homes under $900,000

1230 Beech Street, Fernandina Beach
$689,000
3 Beds ⋅ 2 Baths ⋅ 2167429 MLS
Historic charm meets laid-back island living in this completely remodeled Amelia Island home overlooking Central Park. From mornings at the beach to afternoons exploring downtown Fernandina's local shops and evenings enjoying waterfront dining, this location puts the best of island life within easy reach. This 3-bedroom home pairs timeless character with thoughtful modern updates. Refinished original hardwood floors, abundant natural light, and custom 6-inch baseboards, casings, crown molding, and stair rails create a warm, inviting interior. Updated plumbing and electrical, new windows, and new ductwork complement the home's historic appeal. The beautifully designed kitchen features solid wood slim shaker cabinetry with soft-close hinges, quartz countertops, a decorator tile backsplash, Amerock hardware, stainless appliances, and bar seating—an inviting gathering spot before a beach day or a night downtown. Upstairs, the primary suite offers a private retreat with a custom walk-in closet and a spacious bathroom featuring dual vanities, a soaking tub, decorator tile, and a large walk-in shower with dual shower heads. Two downstairs bedrooms offer flexibility for guests or a home office, while the main-floor bathroom features a glass-enclosed walk-in shower and timeless finishes. Outside, paver driveways and walkways enhance the curb appeal, while mature trees, a fenced backyard, and a spacious rear deck set the scene for relaxed island evenings and outdoor entertaining. A shed provides additional space for storage or hobbies. Situated on a 4,356-square-foot lot directly across from Central Park, this move-in-ready home brings together historic Fernandina Beach character, modern comfort, and convenient access to Amelia Island's beaches, downtown, and waterfront. Come discover a place where park views, beach days, and coastal charm are part of everyday life. Furniture is negotiable. KITCHEN & APPLIANCES New appliances throughout Solid wood slim shaker cabinetry with soft-close hinges Quartz countertops and quality Amerock cabinet hardware UPDATED SYSTEMS New electrical panel and complete rewiring All-new plumbing New A/C ductwork; existing A/C units INTERIOR DETAILS Original hardwood floors, completely refinished Custom stair rails and trim moldings New windows, walls and doors PRIMARY SUITE Custom walk-in closet Dual-sink vanities and vessel soaking tub OUTDOOR LIVING New deck and fenced backyard New paver driveway Custom-built garden shed Optional home warranty available with a reasonable offer. Furniture available for purchase, if desired.

1230 Beech Street, Fernandina Beach
1457 Holly Drive, Fernandina Beach
$718,000
4 Beds ⋅ 3 Baths ⋅ 2162277 MLS
WHOA! QUALIFIED BUYERS MAY HAVE THE OPPORTUNITY TO ASSUME THE SELLER'S EXISTING VA LOAN OFFERING HUGE SAVINGS! Unexpected work relocation creates a RARE second chance to own this beautifully reimagined AMELIA ISLAND home! Purchased with plans to stay, the owners are giving the next buyer the opportunity to enjoy a MOVE-IN-READY island home with extensive improvements completed. Located in the desirable Five Points area, this 4-bedroom, 3-bath home offers flexible living space on a generous lot-all with NO HOA and NO CDD! Enjoy the freedom of island living just 3 miles from Main Beach, with the charm, dining, shopping, and entertainment of historic Centre Street just a golf-cart ride away. The fenced backyard has plenty of room for a private oasis--think pool, outdoor kitchen, firepit, gardens, play area, or entertaining space. A 1.5-car attached garage PLUS an additional detached garage/WORKSHOP provides exceptional storage and hobby space! Convenient to Jax Airport & Military Bases!

1457 Holly Drive, Fernandina Beach
101 S 8th Street, Fernandina Beach
$525,000
2 Beds ⋅ 2 Baths ⋅ 2160855 MLS
At 101 South 8th Street, you will find a rare opportunity to own a versatile property in the heart of Historic Fernandina Beach. Situated on a 67x100 ft corner lot, this property offers frontage on both 8th Street and Ash Street. Upwards of 21,000 cars pass by on 8th Street and visibility of Kate's Tree for tourists and locals alike on Ash, the location offers exceptional flexibility within the C-3 zoning district. The C-3 District is intended for the development of land uses within the central business district as the City's center for residential, financial, commercial, governmental, professional, and cultural activities. Centre Street--home to shops, restaurants, weekend Farmers Markets, and seasonal events like Dickens on Centre, Sounds on Centre, fireworks, and parades--is just around the corner. The Atlantic Ocean and Amelia island's famed beaches are just a mile away. The current residence is ready for your vision and offers over 1700 sf with two bedrooms, and 1.5 baths on the main floor and a loft on the second floor. The kitchen is tucked away from the main living spaces and has a separate entry door. From the main entry door, the staircase leads to a light-filled loft space with many possibilities for use. The Ash Street entry provides an accessible ramp for entry to two separate rooms and is adjacent to off-street parking. Whether you're looking to develop, invest, or create a business opportunity, 101 S 8th Street offers a rare combination of location and flexibility in one of Florida's most notable coastal communities.

101 S 8th Street, Fernandina Beach
708 S 9th Street, Fernandina Beach
$629,000
3 Beds ⋅ 3 Baths ⋅ 2157889 MLS
NEW CONSTRUCTION on Island with TWO CAR GARAGE. Lock and Go on the Island. Designer Like finishing touches. Kitchen features quartz countertops, s/s appliances, accent counter lighting, eat at island, plus dining area. All windows and doors have been trimmed with casing not just drywall, smooth ceilings throughout, designer lighting and mirrors, 9 ft ceilings and 8 ft doors. Elevator shaft pre constructed, large closet on 1st and 2nd floor for future installation if buyer desires. French Doors open to the Primary Bedroom with lots of light, bath w/oversized shower and dual shower heads (polished nickel finish) and there is an access to their own balcony. Custom closet shelving in bedrooms, separate linen closet, LVP floors throughout. Outside: hardy board siding, all outdoor ceilings stained with tongue and groove ceilings. Balcony off the primary bedroom, lower level covered patio and yard featuring synthetic turf (no grass cutting) Special paver driveways allow the water to flow through.PHOTOS ARE FROM 704. Finishes may be different, lighting, quartz color, cabinet color.

708 S 9th Street, Fernandina Beach
714 S 14th Street, Fernandina Beach
$659,900
4 Beds ⋅ 2 Baths ⋅ 2156445 MLS
Completely remodeled home on Amelia Island ! This 4 bedroom, 2 full bath home has been tastefully reimagined from top to bottom with new siding, new windows, new doors and millwork thoughout, smooth ceilings, on demand water heater, new kitchen appliances, soft close cabinets and drawers, full flooring replacement. French doors added leading to the new spacious rear deck, and all freshly painted interior. The backyard is large enough for a pool and/or a detached garage for additional parking or to enjoy swimming under the stars. Close to the amazing white sandy beaches and historic downtown Fernandina Beach with great local restaurants and live music, art galleries, shopping, and strolling the waterfront to catch the beautiful sunsets. Just a short drive to Jacksonville International Airport, Mayport NAS, Jax NAS, and Kings Bay.

714 S 14th Street, Fernandina Beach
824 S 10th Street, Fernandina Beach
$394,000
3 Beds ⋅ 2 Baths ⋅ 2153880 MLS
This beautifully renovated 3 bed, 2 bath home has been redone from top to bottom! Located in the heart of Fernandina Beach, just minutes from historic downtown, it features new flooring, fresh paint, a new kitchen with cabinets, countertops, and stainless steel appliances, plus completely updated bathrooms. Major updates include a new roof (2026), new A/C (2026), and new vinyl fencing. Relax on the charming front porch and enjoy move-in-ready living in a great location.

824 S 10th Street, Fernandina Beach
5 S 3rd Street Unit B, Fernandina Beach
$900,000
3 Beds ⋅ 2 Baths ⋅ 2153066 MLS
Located in the historic City Mart Building in downtown Fernandina Beach, this 1500 sqft space is one of few properties offering this flexibility. Zoned C-3, allowing residential, retail, office, or mixed-use, the possibilities here are incredible! Accessed from a breezeway on S 3rd St, double glass doors open to a spacious room well-suited for a retail shop, gallery, or living area. A large room with custom built-ins is ideal as an executive office, bedroom, or space to browse in a boutique setting. The ground level also includes a kitchenette, half bath, and storage. The upper level provides access to a shared balcony and includes a large flex area as well as three private rooms, a large second kitchenette and additional half bath. The City Mart building is one of Fernandina's most recognizable landmarks, fronting Centre Street, and home to Fantastic Fudge and professional offices. The 3rd St. location offers visibility and foot traffic if desired for retail, while the breezeway entrance creates a more tucked-away, private feel. The layout naturally supports retail or gallery space below with residential or studio space above. Imagine a boutique, yoga or art studio, live/work arrangement, or monthly furnished rental. The historic district has stood the test of time as a walkable, working downtown and year-round hub for dining, curated boutiques, and beloved community events. That authenticity is a defining feature of the island's enduring appeal. A zoning confirmation letter outlining permitted uses for C-3 zoning is on file; buyer shall seek permits for renovations or change of use, if required. Seize this opportunity to establish your presence in the heart of Amelia Island's vibrant historic district!

5 S 3rd Street Unit B, Fernandina Beach
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