440-Fernandina Beach Downtown-South Homes under $400,000

440-Fernandina Beach Downtown-South Homes under $400,000

Welcome to the charming neighborhood of 440-Fernandina Beach Downtown-South, nestled in the heart of beautiful Fernandina Beach, Florida. This vibrant area is a delightful blend of coastal charm and small-town warmth, making it an ideal place for families, retirees, and anyone looking to embrace the laid-back Florida lifestyle.

Fernandina Beach is known for its stunning beaches, historic architecture, and a lively downtown area filled with boutique shops, cozy cafes, and delicious restaurants. Residents enjoy easy access to the picturesque Amelia Island, where outdoor enthusiasts can indulge in activities like kayaking, fishing, and hiking. The local parks and nature trails are perfect for leisurely strolls or family picnics, offering a serene escape from the hustle and bustle of everyday life.

One of the most appealing aspects of 440-Fernandina Beach Downtown-South is the availability of charming homes priced under $400,000. This affordability allows first-time homebuyers, young families, and retirees to find their dream home without breaking the bank. From quaint bungalows to modern townhouses, the diverse selection of properties caters to various tastes and lifestyles.

With a strong sense of community, friendly neighbors, and a calendar full of local events and festivals, living in this neighborhood means more than just having a roof over your head; it’s about creating lasting memories and enjoying all that Fernandina Beach has to offer. Come explore the possibilities in 440-Fernandina Beach Downtown-South, where your perfect home awaits!

Newest 440-Fernandina Beach Downtown-South Homes under $400,000

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
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
2048 Friendly Road, Fernandina Beach
$340,000
2 Beds ⋅ 1 Baths ⋅ 2151055 MLS
Fixer-Upper Home Sold by Special Magistrate. Opportunity awaits with this fixer-upper property being offered for sale by the Special Magistrate. Sold strictly ''as-is,'' this home requires significant repairs and updates but offers excellent potential for investors, contractors, or buyers seeking a renovation project. The property features a residential structure on a sizable lot and may require improvements to roofing, plumbing, electrical, HVAC, and interior finishes. Buyers are responsible for all inspections and due diligence. A rare chance to restore and add value.

2048 Friendly Road, Fernandina Beach
1601 Nectarine Street Unit A3, Fernandina Beach
$275,000
2 Beds ⋅ 2 Baths ⋅ 2147746 MLS
Welcome to this fully furnished 2-bedroom, 2-bath first-floor condo at Palms of Amelia, ideally located in the heart of beautiful Amelia Island! Enjoy easy access to the beach, historic downtown Fernandina Beach, restaurants, grocery stores, golf courses, tennis courts, fitness centers, and more, with Baptist Medical Center just a couple blocks away. Unit A-3 is a short walk to the community pool, hot tub, and outdoor pavilion with grilling area. Inside, the condo features stainless steel appliances, granite countertops, crown molding, tiled wet areas, and handicap-accessible modifications to the doors and primary bathroom. Abundant cabinet and closet space provide excellent storage, along with a large exterior storage room near the front door perfect for bikes, golf clubs, and beach gear. Whether you're searching for a winter getaway or full-time island living, this move-in ready condo offers comfort, convenience, and the relaxed Amelia Island lifestyle.

1601 Nectarine Street Unit A3, 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 Keller Williams Atlantic Partners.