Fernandina Beach Homes under $400,000

Fernandina Beach Homes under $400,000

Welcome to Fernandina Beach, Florida—a hidden gem nestled in Nassau County that perfectly blends coastal charm with a vibrant community spirit. Known for its stunning beaches, lush landscapes, and historic downtown, Fernandina Beach offers a unique lifestyle that attracts residents and visitors alike. With its rich history dating back to the 16th century, the city is filled with quaint shops, delightful eateries, and cultural landmarks, making every stroll through its picturesque streets a delightful experience.

For those seeking a home in this idyllic coastal paradise, you’ll be pleased to discover that Fernandina Beach has a selection of charming properties available for under $400,000. Whether you're a first-time homebuyer, looking to downsize, or searching for a vacation retreat, this budget-friendly market offers a variety of options. From cozy single-family homes to inviting townhouses, there’s something for everyone in this vibrant community.

Imagine waking up to the sound of waves crashing and enjoying your morning coffee on a sunlit porch. With beautiful parks, golf courses, and easy access to the Atlantic Ocean, outdoor enthusiasts will find plenty of activities to keep them engaged. Plus, the friendly atmosphere and sense of community make it easy to feel right at home.

Fernandina Beach is not just a place to live; it’s a lifestyle. With homes under $400,000, you can embrace the coastal living dream without breaking the bank. Come explore the possibilities and discover why so many are choosing to call Fernandina Beach their home!

Newest Fernandina Beach Homes under $400,000

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
96177 Piedmont Drive, Fernandina Beach
$360,000
3 Beds ⋅ 2 Baths ⋅ 2165475 MLS
Welcome to 96177 Piedmont Dr in Fernandina Beach! This inviting corner-lot home offers comfortable living, thoughtful updates, and a convenient location. The open-concept layout creates an easy flow for everyday living and entertaining, while fresh interior paint and large closets in every bedroom add comfort and functionality. The kitchen features new appliances, and a new washer and dryer provide added convenience. Enjoy Florida's beautiful weather from the screened porch while relaxing in the fully fenced backyard. The 2024 roof offers peace of mind. With a low HOA fee and close proximity to shopping and dining, this home makes everyday living easy. Plus, Amelia Island's upscale shopping, dining, beaches, and resorts are just a short drive away!

96177 Piedmont Drive, Fernandina Beach
716 S 12th Street, Fernandina Beach
$360,000
3 Beds ⋅ 2 Baths ⋅ 2165345 MLS
Live in the heart of Amelia Island! This charming 3-bedroom, 2-bath home offers a fresh, move-in-ready feel and an incredible opportunity to enjoy the island lifestyle. Historic Downtown Fernandina Beach is approximately ¾ of a mile away, with the beach just about 2 miles from your doorstep. The home has been refreshed with major updates, including a NEW A/C (2026), NEW ROOF (2025), updated kitchen, new flooring throughout, fresh interior and exterior paint, new doors, and a new front deck. The fully fenced yard with a wood privacy fence provides added privacy and a great outdoor space to relax or entertain. Whether you're heading downtown for shopping and dining or spending the day at the beach, this location puts some of Fernandina Beach's most popular destinations within easy reach. The front lawn has been digitally enhanced for presentation purposes.

716 S 12th Street, Fernandina Beach
95462 Orchid Blossom Trail, Fernandina Beach
$375,000
3 Beds ⋅ 2 Baths ⋅ 2164218 MLS
Welcome to your new home in the desirable Amelia Concourse community! This beautiful home offers a flexible and inviting floor plan designed for comfortable everyday living, entertaining, and relaxing at home. Enjoy peaceful water views from the spacious backyard with an evening breeze, while the covered patio and additional paver area provide the perfect setting for outdoor living, dining, and entertaining. Conveniently located near shopping and dining, with easy access to Jacksonville, Kings Bay, and the beautiful beaches of Amelia Island, this home offers both comfort and convenience. Amelia Concourse residents enjoy exceptional community amenities, including a resort-style pool, children's splash park, playground, clubhouse, green space, and walking paths. Don't miss the opportunity to enjoy a beautiful home, scenic water views, and outstanding community amenities in a highly desirable location! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify

95462 Orchid Blossom Trail, Fernandina Beach
96291 Ridgewood Circle, Fernandina Beach
$384,900
3 Beds ⋅ 2 Baths ⋅ 2163354 MLS
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home. Featuring a desirable split-bedroom floor plan with 10 foot ceilings. This home offers both functionality and privacy, making it ideal for families, first-time buyers, or those looking for a move-in-ready home. One of the biggest highlights is the peace of mind that comes with major systems being updated. The HVAC is less than 5 years old, brand new water heater, roof is 3 years old, and the back sliding door is less than 2 years old. With these important updates already taken care of, you can spend less time worrying about maintenance and more time enjoying your new home. Located in a convenient Fernandina Beach location, you'll be close to shopping, schools, major interstate access, and the beautiful Amelia Island beaches. This is a great opportunity to own a well-maintained home in a desirable area with major components already updated. Schedule your showing today!

96291 Ridgewood Circle, Fernandina Beach
85465 Amaryllis Court, Fernandina Beach
$369,900
4 Beds ⋅ 2 Baths ⋅ 2163165 MLS
This inviting one-story home sits on a quiet cul-de-sac in Fernandina Beach, with palm trees, blue shutters, and a covered front porch giving it real curb appeal. Inside, an open-concept living room and kitchen anchor the home, with a spacious kitchen featuring dark cabinetry, granite countertops, and stainless steel appliances. A dedicated pantry and closet keep things organized, and the adjacent laundry room adds everyday convenience. The dining room opens directly to a covered back patio, perfect for morning coffee or evening dinners outside. The split floor plan places the primary suite in its own wing, complete with a spacious bedroom, a walk-in closet, and an en-suite bath featuring dual sinks, a garden tub, and a separate glass-enclosed shower. Three additional bedrooms and a second full bath give everyone room to spread out. A two-car garage and fenced-in backyard round out the package, all in a location close to parks, grocery shopping, and local restaurants. Move-in read

85465 Amaryllis Court, Fernandina Beach
1992 Palm Drive, Fernandina Beach
$335,000
3 Beds ⋅ 1 Baths ⋅ 2161913 MLS
ISLAND LIVING in a QUIET, CONVENIENT LOCATION! This charming 3 Bedroom, 1 Bath home offers an incredible opportunity to enjoy the Amelia Island lifestyle while being close to everything Fernandina Beach has to offer or could be the PERFECT INVESTMENT OPPORTUNITY with SHORT TERM RENTABILITY OPTIONS! Situated on a LARGE CORNER LOT along a quiet street just OUTSIDE THE CITY LIMITS this classic 1950s home features 1,092 square feet of comfortable living space with fresh paint, new bedroom doors, some updated electrical and lighting, plus a brand new refrigerator. On the exterior, you'll appreciate the LARGE CARPORT and OVERSIZED STORAGE SHED--perfect for bikes, beach gear, tools, a workshop, or all those island extras! The spacious lot provides plenty of room to enjoy the outdoors, garden, entertain, or create your own backyard retreat. Whether you're looking for a PRIMARY RESIDENCE, ISLAND GETAWAY, or a home you can update and make your own, this property offers a combination of location, lot size, and potential that's hard to find on Amelia Island. Enjoy being just minutes from the BEACH, HISTORIC DOWNTOWN FERNANDINA BEACH, shopping, dining, schools, and everything that makes island living so special!

1992 Palm 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
95464 Woodbridge Parkway, Fernandina Beach
$379,900
3 Beds ⋅ 2 Baths ⋅ 2161420 MLS
PRICE REDUCTION on this beautiful, move-in ready home in Fernandina Beach!!! In the Villages of Woodbridge, this charming residence is ready for you! The floor plan is open, the rooms are spacious, the kitchen is terrific and the fenced back yard is a great retreat. Facing a preserve, you'll love the private feeling as you enjoy nature and unwind. Back inside, this home lives larger than its size of 1558 SF. The kitchen has a snack bar, offers lots of cabinetry and all appliances stay. Its quartz countertops are a wonderful upgrade. Another upgrade is the LVP that flows throughout the main living areas. The primary suite is at the back of the home and is separated from the guest bedrooms for privacy. Its walk-in closet & large shower are welcome amenities. Tucked around the corner from the living room is an office nook that's a welcome surprise. This home sits in a prime location for accessing the beaches of Amelia Island, historic Fernandina Beach, Kings Bay & Jacksonville. Hurry home

95464 Woodbridge Parkway, Fernandina Beach
1601 Nectarine Street Unit I1, Fernandina Beach
$369,900
3 Beds ⋅ 2 Baths ⋅ 2159178 MLS
COMPLETELY REMODELED, great location and PRICED TO SELL! Own your piece of paradise on Amelia Island in this rare first-floor, corner-unit condo located in the gated community of The Palms at Amelia. Just one block from the hospital and within walking and biking distance to the pristine beaches of Amelia Island and the historic downtown of Fernandina Beach, this property offers an exceptional coastal lifestyle with everyday convenience. This fully remodeled condo features wood-look, tile flooring throughout, all new white, custom kitchen cabinetry with sparkling quartz countertops and stainless-steel appliances. The custom cabinetry is extended into the dining room for additional storage and organization. Both bathrooms have been nicely updated with coastal charm. Enjoy the ease of no stairs, ample parking and low maintenance living. Community amenities include a year-round heated pool and hot tub, cabana, picnic area and grills creating an outdoor space for relaxing and entertaining. Short-term rentals are not permitted, making this condo perfect for a primary residence, second home or weekend getaway. Nassau County School District is the #1 District in the state of Florida with all "A" rated schools.

1601 Nectarine Street Unit I1, Fernandina Beach
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