Fernandina Beach Homes under $900,000

Fernandina Beach Homes under $900,000

Welcome to Fernandina Beach, a hidden gem nestled in the heart of Nassau County, Florida. This charming coastal city is renowned for its stunning beaches, vibrant downtown area, and rich history, making it the perfect place to call home. With a unique blend of small-town charm and modern amenities, Fernandina Beach offers a lifestyle that is both relaxed and invigorating.

For those seeking a slice of paradise without breaking the bank, you’ll be delighted to discover that homes in Fernandina Beach are available for under $900,000. Whether you’re looking for a cozy beach bungalow, a spacious family home, or a luxurious retreat, the diverse real estate options cater to a variety of tastes and budgets. Many of these homes boast breathtaking views of the Atlantic Ocean, lush gardens, and easy access to pristine beaches, ensuring that you can enjoy the best of coastal living.

The community here is vibrant and welcoming, with local shops, restaurants, and cultural attractions just a stone's throw away. Stroll through the historic downtown district, where you’ll find quaint boutiques and delightful eateries that showcase the local flavor. Outdoor enthusiasts will appreciate the abundance of parks, nature trails, and water activities available, from kayaking to fishing.

In Fernandina Beach, you’re not just buying a home; you’re investing in a lifestyle filled with sunshine, community, and adventure. Explore the opportunities that await you in this captivating coastal paradise, where your dream home is just a heartbeat away!

Newest Fernandina Beach Homes under $900,000

95116 Barnwell Road, Fernandina Beach
$649,900
4 Beds ⋅ 3 Baths ⋅ 2166103 MLS
Set on nearly a full acre of beautifully usable land, this exceptional new construction home offers a rare blend of space, privacy, and elevated living. Thoughtfully designed interiors showcase upgraded finishes throughout, generous proportions, and an effortless flow for both everyday living and entertaining. An oversized three-car garage with plenty of storage space. The expansive grounds invite resort-style outdoor living with room for a pool, gardens, or future additions. A complete landscaping package and home warranty are included, ensuring a seamless, move-in-ready experience. This is refined modern living with the freedom, comfort, and space to truly live well.

95116 Barnwell Road, Fernandina Beach
2646 Bailey Road, Fernandina Beach
$849,900
4 Beds ⋅ 3 Baths ⋅ 2166095 MLS
Discover new construction on Amelia Island, where refined finishes meet room to spread out. This four-bedroom home includes a dedicated office and three full baths, all set on an oversized, fully fenced estate-size lot. Inside, engineered hardwood floors lead through light-filled living spaces to a striking fireplace and a luxury chef's kitchen with a generous island, rich cabinetry, and gas appliances. A covered patio extends the living space outdoors, while the expansive yard offers plenty of room to enjoy it. Close to Amelia Island's beaches, shopping, and dining, the home also includes a landscaping package and home warranty.

2646 Bailey Road, Fernandina Beach
95275 Marc Anthony Road, Fernandina Beach
$465,000
3 Beds ⋅ 2 Baths ⋅ 2157306 MLS
Completely rebuilt from the studs with a redesigned engineered layout & open floor plan, this stunning home offers peace of mind with virtually everything new: plumbing, electrical, HVAC, ductwork, on-demand water, septic, well pump, roof, ZIP sheathing, composite siding, insulation, windows, doors, fascia, gutters, & shed. Inside, enjoy LVP flooring, tiled baths, a designer kitchen with soft-close cabinetry, quartz countertops, large island, stainless appliances, a custom laundry/mudroom with butcher block counters, & a modern shiplap fireplace. The spacious primary suite features a walk-in closet and tiled shower. Situated on nearly 1.25 cleared acres & tucked away on a dead end street, the property includes a new gravel driveway, fencing, & landscaping, with room for a pool, vegetable garden, chickens, RVs, boats, or a workshop! All in sought after Fernandina Beach with no HOA or CDD fees. Looking for privacy, space to entertain, or simply room to grow? This home delivers!

95275 Marc Anthony Road, Fernandina Beach
1008 Beech Street, Fernandina Beach
$849,000
1 Beds ⋅ 1 Baths ⋅ 2142241 MLS
Welcome to 1008 Beech Street, a rare opportunity to own a versatile property in the heart of beautiful Fernandina Beach located on Amelia Island, recently named the #1 Best Island in the United States three years in a row by Global Traveler magazine.Situated on a .23-acre corner lot, this property offers exceptional flexibility within the Mixed Use-8 zoning district, allowing for a unique blend of residential, office, and commercial possibilities. Based on current density guidelines and land development code, the parcel presents exciting potential for multiple residential unitsan increasingly rare opportunity in such a prime, in-town location.Tucked just off 8th Street, the setting provides a quieter, more residential feel while still placing you in the center of it all. Enjoy being just two blocks from local dining, boutiques, and everyday conveniences, and only a short stroll to the charm and character of Historic Downtown Fernandina Beach.Outdoor living is right at your doorstep, with Central Park less than a block away offering pickleball, tennis courts, playgrounds and open green space. Trail access to the 300-acre Egan's Creek Greenway is just a 15-minute walk, while the Atlantic shoreline is only a 10-minute bike ride away. The local farmers market, arts market, and many annual festivals are all within walking distance, along with holiday paradescreating endless opportunities to experience classic small-town Americana.Whether youre looking to develop, invest, create a live-work lifestyle, or establish a larger estate, 1008 Beech Street offers an exceptional combination of location, flexibility, and long-term potential in one of Northeast Floridas most sought-after coastal communities.

1008 Beech Street, Fernandina Beach
95110 Barnwell Road, Fernandina Beach
$824,900
5 Beds ⋅ 5 Baths ⋅ 2126849 MLS
Set on nearly a full acre of beautifully usable land, this exceptional new construction home offers a rare blend of space, privacy, and elevated living. Nearly 3,000 square feet of thoughtfully designed interiors showcase upgraded finishes throughout, generous proportions, and an effortless flow for both everyday living and entertaining. An oversized three-car garage with abundant storage complements a separate, air-conditioned workroom or private gym—perfect for a home office, wellness retreat, or creative studio. The expansive grounds invite resort-style outdoor living with room for a pool, gardens, or future additions. A complete landscaping package and home warranty are included, ensuring a seamless, move-in-ready experience. This is refined modern living with the freedom, comfort, and space to truly live well.

95110 Barnwell Road, Fernandina Beach
Start Your Search
© 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved. This data is up-to-date as of . For the most current information, contact Florida Homes Realty and Mortgage.