Fernandina Beach Homes under $400,000

Fernandina Beach Homes under $400,000

Welcome to Fernandina Beach, Florida, a hidden gem nestled on Amelia Island in Nassau County. This charming coastal city boasts a rich history, stunning beaches, and a vibrant community that welcomes newcomers with open arms. Known for its picturesque landscapes and friendly atmosphere, Fernandina Beach is the perfect place for both relaxation and adventure.

With a delightful blend of historic architecture and modern amenities, Fernandina Beach offers an array of homes that cater to various lifestyles. For those seeking affordability without compromising on quality, you'll be thrilled to discover a selection of beautiful homes available for under $400,000. These properties provide an excellent opportunity for first-time buyers, families, or anyone looking to invest in a serene coastal lifestyle.

Imagine waking up to the sound of waves crashing and enjoying morning strolls along the sandy shores. With homes featuring spacious layouts, charming backyards, and proximity to local parks, you can create your dream living space in this idyllic setting. The community is rich with parks, restaurants, and shops, ensuring that you have everything you need just a stone's throw away.

Fernandina Beach is also known for its vibrant cultural scene, with numerous festivals, art galleries, and live music events throughout the year. Whether you’re exploring the historic downtown area or indulging in fresh seafood at local eateries, there’s always something new to discover.

Come experience the enchanting charm of Fernandina Beach, where your dream home awaits at an accessible price. Embrace the coastal lifestyle and make this beautiful city your new home!

Newest Fernandina Beach Homes under $400,000

92026 Woodlawn Drive, Fernandina Beach
$387,000
3 Beds ⋅ 2 Baths ⋅ 117659 MLS
This immaculate 3 bedroom, 2 bathroom Hawthorne model by SEDA captures modern living. The open-concept space, with tile flooring throughout the main living areas, seamlessly combines the kitchen, dining, and living areas. Picture yourself gathered around the large island with friends and family. The chef will appreciate the ample counter space, SS appliances, and pantry. Located at the rear of the home, the private primary suite features an en-suite bathroom with dual sinks, step-in shower and walk-in closet. Two additional bright and airy bedrooms at the front of the home share a full bath. Enjoy outdoor living in your fenced yard & covered screened patio. Zoned for top-rated Fernandina Beach public schools, centrally located and close to shopping, medical, restaurants, and the beaches of Amelia Island, the Woodbrier community has low HOA dues and NO CDD fees. Schedule a tour today!

92026 Woodlawn Drive, Fernandina Beach
2700 Mizell Avenue Unit 504A, Fernandina Beach
$349,999
3 Beds ⋅ 2 Baths ⋅ 2169139 MLS
COASTAL LIVING MADE EASY. FIRST-FLOOR CONDO JUST STEPS FROM THE BEACH! Imagine starting your mornings with a walk along Amelia Island's beautiful shoreline, spending afternoons by the pool, and enjoying evenings exploring the charming shops and restaurants of Historic Downtown Fernandina Beach. Whether you're searching for a full-time residence or the perfect coastal getaway, this beautifully updated 1st floor 3 BEDROOM 2 BATHROOM condo offers the lifestyle you've been dreaming of! NO STAIRS, NO HASSLE, JUST EASY COASTAL LIVING! With Beach Access 25 just a short stroll away, you can enjoy the sand and surf without loading up the car. Plus, your designated parking space is conveniently located right outside your front door. Step inside to discover a thoughtfully remodeled interior featuring updated flooring and windows, a beautifully renovated kitchen, and stylishly upgraded bathrooms. The spacious eat-in kitchen easily accommodates a full-size dining table, while the separate formal dining room offers incredible flexibility as a home office, additional sitting room, or entertaining space. Unwind on your private patio with additional storage surrounded by wooded views, or take advantage of the community's inviting amenities, including an updated swimming pool, clubhouse, and tennis/pickleball courts. With a three-month minimum rental period, this property also offers flexibility for owners seeking seasonal use or primary home. MOVE IN, UNPACK, AND START LIVING THE AMELIA ISLAND LIFESTYLE! Whether it's your everyday escape or your home away from home, this coastal retreat delivers comfort, convenience, and an unbeatable location near the beach.

2700 Mizell Avenue Unit 504A, Fernandina Beach
2700 Mizell Avenue Unit 504A, Fernandina Beach
$349,999
3 Beds ⋅ 2 Baths ⋅ 117617 MLS
COASTAL LIVING MADE EASY. FIRST-FLOOR CONDO JUST STEPS FROM THE BEACH! Imagine starting your mornings with a walk along Amelia Island’s beautiful shoreline, spending afternoons by the pool, and enjoying evenings exploring the charming shops and restaurants of Historic Downtown Fernandina Beach. Whether you're searching for a full-time residence or the perfect coastal getaway, this beautifully updated 1st floor 3 BEDROOM 2 BATHROOM condo offers the lifestyle you've been dreaming of! NO STAIRS, NO HASSLE, JUST EASY COASTAL LIVING! With Beach Access 25 just a short stroll away, you can enjoy the sand and surf without loading up the car. Plus, your designated parking space is conveniently located right outside your front door. Step inside to discover a thoughtfully remodeled interior featuring updated flooring and windows, a beautifully renovated kitchen, and stylishly upgraded bathrooms. The spacious eat-in kitchen easily accommodates a full-size dining table, while the separate formal dining room offers incredible flexibility as a home office, additional sitting room, or entertaining space. Unwind on your private patio with additional storage surrounded by wooded views, or take advantage of the community's inviting amenities, including an updated swimming pool, clubhouse, and tennis/pickleball courts. With a three-month minimum rental period, this property also offers flexibility for owners seeking seasonal use or primary home. MOVE IN, UNPACK, AND START LIVING THE AMELIA ISLAND LIFESTYLE! Whether it's your everyday escape or your home away from home, this coastal retreat delivers comfort, convenience, and an unbeatable location near the beach.

2700 Mizell Avenue Unit 504A, Fernandina Beach
2328 Sadler Road Unit 1 - C, Fernandina Beach
$307,000
2 Beds ⋅ 2 Baths ⋅ 117523 MLS
AMELIA LANDINGS VILLA – WALK TO THE BEACH! Future bookings already in place from December 1st 2026 to April 7th 2027! This furnished 2-bedroom, 2-bath second-floor condo offers the perfect island escape, vacation rental, or easy full-time residence. Tucked beneath the shade of beautiful live oak trees, this welcoming villa captures the laid-back charm and natural beauty that make Fernandina Beach and Amelia Island so special. Inside, the comfortable floor plan connects the kitchen, dining, and living areas, creating an easy space to gather, relax, and enjoy time with family or guests. Step out onto the private porch overlooking the oak trees, where morning coffee, coastal breezes, and peaceful evenings come naturally - perfect for both entertaining and unwinding after a day in the sun. Enjoy convenient porch access from both the main living area and the primary bedroom. Being sold fully furnished and currently used as a vacation rental, this condo is ready for immediate enjoyment or continued rental income potential, with bookings already on the calendar. Community amenities include a pool, pickleball & tennis courts, picnic and grill areas, plus bike storage. (No pet community.) Ideally located near the McArthur YMCA, healthcare facilities, shopping, and local restaurants - this condo combines natural beauty with island convenience. Enjoy quick beach access in a peaceful wooded setting, plus it’s just a short bike ride to the riverfront, shopping, and eclectic restaurants of historic Fernandina Beach. Close to top-rated Amelia Island golf courses and more, as well as Fernandina Beach’s A-rated Nassau County schools. Milestone inspection and SIRS inspection complete and available upon request.

2328 Sadler Road Unit 1 - C, Fernandina Beach
85055 Babcock Court, Fernandina Beach
$365,000
2 Beds ⋅ 2 Baths ⋅ 117579 MLS
Brand new roof and currently the lowest-priced home available in Amelia Walk! This move-in ready home is an excellent opportunity to own in one of Fernandina Beach’s most desirable communities. The home features 2 bedrooms, 2 bathrooms and a large office that could easily be used as a third bedroom, bonus room or additional living space. The open kitchen and living area features vaulted ceilings and beautiful views of the water, making the space feel bright and inviting. The primary suite is spacious with a large walk-in closet and bathroom featuring double vanities, a walk-in shower and separate soaking tub. Outside, you’ll love the extended screened lanai overlooking the water, perfect for morning coffee, relaxing in the evenings or entertaining. Located on a cul-de-sac with an oversized backyard, there is plenty of room for a pool or additional outdoor living space. With a brand new roof, water view, oversized lot and one of the best price points in Amelia Walk, this home is a great option for a primary residence, second home or investment.

85055 Babcock Court, Fernandina Beach
85505 Babcock Court, Fernandina Beach
$365,000
2 Beds ⋅ 2 Baths ⋅ 2168267 MLS
Brand new roof and currently the lowest-priced home available in Amelia Walk! This move-in ready home is an excellent opportunity to own in one of Fernandina Beach's most desirable communities. The home features 2 bedrooms, 2 bathrooms and a large office that could be used as a third bedroom, bonus room or additional living space. The open kitchen and living area features vaulted ceilings and water views, making the space inviting. The primary suite offers a large walk-in closet and bathroom with double vanities, a walk-in shower and soaking tub. Outside, you'll love the extended screened lanai overlooking the water, perfect for morning coffee, relaxing in the evenings or entertaining. Located on a cul-de-sac with an oversized backyard, there is room for a pool or additional outdoor living space. With a brand new roof, water view, oversized lot and one of the best price points in Amelia Walk, this home is a great option for a primary residence, second home or investment.

85505 Babcock Court, Fernandina Beach
730 S 11th Street, Fernandina Beach
$375,000
2 Beds ⋅ 1 Baths ⋅ 117557 MLS
Welcome to island life! This two-bedroom, one-bath Fernandina Beach home offers 1,032 square feet of single-story space ready for a thoughtful refresh. Solid concrete block construction provides a practical starting point, while a brand-new HVAC and new underground 200-amp electrical service. Whether your vision leans toward a charming island cottage, a streamlined full-time residence, rental or an investment-minded renovation, the canvas is here. Positioned on a 50-by-100-foot corner lot, the property includes nice trees & palms and additional parking in the rear, a welcome advantage for residents, guests, or weekend gear. The adjoining lot is also offered for sale, creating an intriguing option for buyers who want to explore a broader plan. R2 zoning adds another positive detail to consider; buyers should independently verify permitted uses, renovation requirements, and any plans for the neighboring parcel. Life beyond the doorstep is equally appealing. A quiet, golf-cart-friendly area with sidewalks makes it easy to walk or bike to beach, schools, shopping, restaurants, and downtown. Fernandina Beach Recreation and Central Park are close, while the Fernandina Beach Historic District and Fernandina Harbor Marina bring local dining, shops, and waterfront character within easy reach. Main Beach Park, Egan’s Creek Park, and Fort Clinch State Park round out the island lifestyle with sand, trails, and open-air escapes. Bring your contractor, your creativity, and your wishlist. Schedule a private showing and see what this well-located property could become. SEE MLS #116914 for the adjoining lot next door. Motivated seller!

730 S 11th Street, Fernandina Beach
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
95182 Timberlake Drive, Fernandina Beach
$375,000
5 Beds ⋅ 3 Baths ⋅ 2166182 MLS
Welcome home to this spacious 5-bedroom, 3-bath home offering 2,508 square feet of bright, open living space in desirable Fernandina Beach. The well-appointed kitchen features stainless steel appliances, a large center island, ample cabinetry, and plenty of space for gathering and entertaining. The open-concept layout flows effortlessly into the main living areas, creating a comfortable and inviting atmosphere. Step outside to a generously sized, fully fenced backyard—perfect for relaxing, entertaining, pets, or outdoor activities. The garage is an organizer's dream, offering an abundance of storage space to keep everything neatly in its place. Conveniently located near beautiful beaches, highly rated schools, shopping, dining, and everything Fernandina Beach has to offer.

95182 Timberlake Drive, Fernandina Beach
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