4+ Bedroom Single Family Homes for Sale in Fernandina Beach, FL Under $2.8M
There are 12 single family homes for sale in Fernandina Beach, FL, with 4 to 5 bedrooms, 2 to 5 bathrooms, and 2,030 to 4,320 square feet of living space. Displayed asking prices range from $1,175,000 to $2,795,000, and build years from 1994 to 2026. The largest, at 122 Sea Marsh Road, offers 4 bedrooms and 4,320 square feet for $2,425,000.
Fernandina Beach sits at the northeast corner of Florida on Amelia Island, with the Amelia River separating the town from the mainland. The historic downtown district along Centre Street keeps its Victorian storefronts and walkable blocks, while Amelia Island Plantation and Amelia National offer gated communities with golf courses and wooded lots. Neighborhoods on the quieter north end sit closer to the Atlantic beaches than the commercial strip does.
Jacksonville International Airport is roughly 45 minutes away by car over Highway A1A and Heckscher Drive, which makes the island workable for commuters who travel north or west. The Nassau County School District serves the island, and the Atlantic beaches are a short drive from most neighborhoods. Many homes sit near the Amelia River, where boating and fishing start from backyard docks and trails.
Homes in this collection
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Buying in Fernandina Beach
The questions buyers ask us most about this collection.
What is it like living in Fernandina Beach compared with the rest of Amelia Island?
The historic downtown district offers walkable streets and Victorian-era storefronts, so homes near Centre Street trade a larger lot for easy access to shops and restaurants. Amelia Island Plantation and Amelia National are gated communities set back from the beach, with golf and trail access inside the gates. Buyers who want the beach close by often look at the north end, which feels quieter than the commercial strip.
How far is Fernandina Beach from Jacksonville?
Fernandina Beach sits roughly 35 miles northeast of downtown Jacksonville, reached by Highway A1A and Heckscher Drive. Jacksonville International Airport is about 45 minutes away by car, which many buyers weigh when choosing between island and mainland neighborhoods. Plan your commute for peak hours, since the island has a limited number of main roads that carry seasonal traffic.
Is a gated community worth it on Amelia Island?
Gated communities such as Amelia Island Plantation and Amelia National offer controlled entry, golf, tennis and clubhouse amenities that appeal to buyers who want a managed setting. Dues and community rules vary by neighborhood, so ask for the current association documents before making an offer. Buyers who prefer an open neighborhood near downtown can find more flexibility in the older island subdivisions.
What should buyers check on an older home near the Amelia River?
Salt air and humidity affect roofs, exterior trim, HVAC systems and metal fixtures, so a thorough inspection is essential. Ask for the flood zone designation and the elevation certificate, because insurance costs depend on both. Look closely at seawalls, docks and boardwalks, which need regular maintenance in a marsh setting.
Which school district serves Fernandina Beach?
Fernandina Beach is served by the Nassau County School District, which operates the schools that students in the island neighborhoods attend. Boundaries can change, so confirm the assigned schools for a specific address with the district before you commit. Many families also weigh the drive time to schools against the time spent on the island's main roads.
Is Fernandina Beach a good place for a family or a multigenerational household to settle?
The island offers a mix of beaches, parks, a walkable historic downtown and gated communities with pools and fitness facilities, which suits households with children and older relatives. Larger homes give extended family room to spread out, and the quiet north end feels calmer than the busier areas near the commercial strip. Plan for visits to the mainland for specialty medical care and major shopping.