Fernandina Beach Homes under $300,000

Fernandina Beach Homes under $300,000

Welcome to Fernandina Beach, a hidden gem nestled on Amelia Island in Nassau County, Florida. Known for its stunning beaches, rich history, and charming downtown area, Fernandina Beach offers a delightful blend of coastal living and small-town charm. With its picturesque Victorian architecture, vibrant arts scene, and access to pristine natural landscapes, this city is a paradise for those seeking a relaxed lifestyle by the sea.

Fernandina Beach is not just a vacation destination; it’s a community where families and individuals can thrive. The city boasts a variety of amenities, including local shops, delicious dining options, and recreational activities that cater to all ages. Whether you enjoy fishing, kayaking, or simply soaking up the sun on the sandy shores, Fernandina Beach has something for everyone.

For those looking to call this enchanting city home, you’ll be pleased to discover that there are beautiful homes available for under $300,000. These properties offer an excellent opportunity for first-time buyers, retirees, or anyone seeking a slice of paradise without breaking the bank. From cozy cottages to charming townhomes, the real estate options in Fernandina Beach are as diverse as its residents.

Imagine waking up to the sound of waves crashing and the scent of salt in the air. With affordable housing options in such a desirable location, your dream of coastal living is within reach. Explore the vibrant community of Fernandina Beach, and find the perfect home that suits your lifestyle and budget. Your new adventure awaits!

Newest Fernandina Beach Homes under $300,000

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
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
$285,900
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
96100 Stoney Drive, Fernandina Beach
$249,900
3 Beds ⋅ 2 Baths ⋅ 2161757 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
96236 Stoney Creek Parkway Unit 201, Fernandina Beach
$279,000
3 Beds ⋅ 3 Baths ⋅ 117098 MLS
PRICED TO SELL!!! Welcome to the Cottages at Stoney Creek! This move-in ready townhome is located in a gated community with a great pool and covered social area. It is a highly desirable end unit, so you only have one shared wall allowing for abundant natural light and a roomy dining area! The open concept floor plan features an updated half bath, an extra storage pantry, 42 inch kitchen cabinets, solid surface counter tops, newer carpet, LVP flooring, paint and a BRAND NEW HVAC!! Roof was replaced in 2025. Sliding glass doors open up to a screened lanai with an extra storage closet overlooking a peaceful wooded area. Upstairs has a spacious primary suite with a sitting area, large walk in closet and oversized walk in shower. Two additional bedrooms- one also with a walk in closet- share a full bathroom. There is a second floor laundry room for your convenience. Located just minutes from the beautiful beaches of Amelia Island and Historic downtown Fernandina Beach! Only 25 minutes to Jacksonville International Airport. Furnishings negotiable. Whether you are looking for a low maintenance primary residence or a second home, this clean, thoughtfully decorated and well maintained townhome checks all the boxes!

96236 Stoney Creek Parkway Unit 201, Fernandina Beach
2328 Sadler Road Unit 2-F, Fernandina Beach
$294,000
2 Beds ⋅ 2 Baths ⋅ 116995 MLS
Proven revenue generator meets coastal paradise! Welcome to Unit 2F in the highly sought-after Amelia Landings community. This exceptional 2-bedroom, 2-bathroom condo is a fully operational, successful short-term rental with strong upcoming booking reserves! Beautifully maintained and sold completely turnkey with all decor and furniture included, the condo features a desirable split-bedroom design for optimal guest privacy. Spread out in your open-concept living area, which looks onto the dining area and fully stocked kitchen. Unwind on your private, screened-in balcony surrounded by a peaceful, tree-lined canopy. This 3rd-floor condominium is located immediately adjacent to prime community amenities—including a large sparkling pool, tennis courts, and grilling areas—and just a brief 5-minute walk to the beach, shops, and restaurants. A rare, high-yielding proven asset in a premium beach location! Perfect investment or vacation condo! Come take a look; you won't want to miss this one!

2328 Sadler Road Unit 2-F, Fernandina Beach
96029 Cottage Court Unit 1205, Fernandina Beach
$274,900
3 Beds ⋅ 2 Baths ⋅ 2156372 MLS
SPACE - STYLE & COASTAL LIVING! This updated 3-bedroom, 2-bath condo has the largest floor plan in The Cottages at Stoney Creek and lives more like a house than a condo. VAULTED CEILINGS and an open layout make it feel bright, airy, and modern. Most of the home has been FRESHLY PAINTED in a soft coastal beige, which pairs beautifully with the UPDATED FLOORING and plantation shutters for a clean, move-in-ready look. The kitchen is a true standout. It has 42-inch cabinets, a pantry, desk area and bar seating that flows into a COZY BREAKFAST NOOK, so it's easy to cook, gather, and entertain. A beautiful wood staircase ADDS WARMTH & CHARACTER as it leads you between floors. Both bathrooms have been tastefully updated, and there's PLENTY OF ROOM to spread out or work from home. Step outside to your PRIVATE SCREENED IN PATIO for morning coffee and listening to the birds. ALL APPLIANCES convey, including the refrigerator, stove, microwave, dishwasher, washer, and dryer. The community ROOFS were REPLACED in 2025 and it's GATED & PRIVATE for added PEACE of MIND. Enjoy easy, **L O W-MAINTENANCE LIVING**: lawn care is included, so you'll never need a lawnmower or spend weekends on yard work. This pet-friendly & WALKABLE COMMUNITY has lots of green space and a sparkling pool, and Condo fees are under $400/month. Shopping and restaurants are within a mile or two & the beach is about 10 minutes away, and I-95 is about 10 minutes away. In Addition, We have TOP RATED Schools In the STATE of FLORIDA and Fernandina Beach is known as a Quaint Community. Are you considering a change... this is it, It's ready and waiting for YOU!

96029 Cottage Court Unit 1205, Fernandina Beach
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