Fernandina Beach 55+ Active Adult Retirement Communities

Nestled on Amelia Island on the picturesque coast of Florida, Fernandina Beach is an ideal destination for those looking for a 55+ active adult community. This charming beach town offers a unique blend of natural beauty, historic charm, and a laid back beach vibe. With its pristine beaches, lush parks, and mild climate, residents can enjoy a wide range of outdoor activities year-round. Fernandina Beach boasts a rich history, with beautifully preserved architecture and a quaint downtown area filled with shops, restaurants, and art galleries. Whether it's exploring the local farmers market, strolling along the historic streets, or taking part in water sports, Fernandina Beach offers a relaxed and enjoyable retirement lifestyle in a beautiful coastal setting.

To learn more about visiting or moving to Fernandina Beach, the following local resources provide valuable information:

• Amelia Island Tourist Development Council - Official tourism website offering information about attractions, activities, and events on Amelia Island.
• Fernandina Beach Main Street - Explore the downtown area, local businesses, and upcoming events.
• Amelia Island-Fernandina Beach-Yulee Chamber of Commerce - Learn about local businesses, services, and community events.

Affordability and Cost of Living 

 The cost of living in Fernandina Beach is 17.7 percent higher than the national average and 3.1 percent higher than the average for the state of Florida. The median home price in Fernandina Beach is $556,300, again higher than both state and national median prices. Groceries, utilities, healthcare and transportation expenses are more reasonable and within 5 to 10 percent of the national averages. 

In terms of taxation, Florida is known for being tax-friendly for retirees. The state does not impose personal income tax, including on retirement income, such as Social Security benefits, pensions, or 401(k) distributions. Florida also does not levy estate or inheritance taxes, which can be advantageous for estate planning purposes. When it comes to sales tax, Florida has a state sales tax rate of 6 percent, which is slightly below the national average although local sales taxes may apply in addition to the state rate. Current sales tax in Fernandina Beach is 7 percent. Property taxes for homeowners in Nassau County is 0.74 percent of the home's assessed value. For detailed information on taxes in Nassau County, including property taxes, sales tax rates, and other tax-related matters, you can visit the Nassau County Tax Collector's website.

Climate and Geography 

Fernandina Beach enjoys a mild and pleasant climate throughout the year, making it an inviting destination for retirees seeking comfortable weather. In the winter months, temperatures range from the mid-40s to the mid-60s, providing a welcome respite from colder regions. Summers in Fernandina Beach are warm and humid, with average temperatures ranging from the low 70s to the high 90s. Humidity levels increase during this time, with averages around 70%, creating a tropical feel. Fernandina Beach is located in a region that is susceptible to hurricanes due to its proximity to the Atlantic Ocean and the Gulf of Mexico.

Situated on Amelia Island, Fernandina Beach offers breathtaking Atlantic Ocean beaches just a short distance away. The area is renowned for its pristine shoreline and opportunities for water activities such as swimming, boating, and fishing. The nearby Nassau River and Egans Creek provide picturesque waterways for exploring nature and enjoying outdoor recreation. There are also scenic marshlands and forests, showcasing the region's rich biodiversity. Fernandina Beach's proximity to the water not only offers stunning views but also contributes to a refreshing coastal breeze, creating a pleasant atmosphere year-round. 

Recreation, Shopping, and Entertainment 

Immerse yourself in the rich history, natural beauty, and vibrant cultural scene of Fernandina Beach. Here are some highlights of what you can enjoy:

Golf and Racquet Sports

• Fernandina Beach Golf Club
• The Golf Club at North Hampton
• Amelia Island Plantation Golf Club

Hiking, Biking, and Boating

• Egans Creek Greenway
• Fort Clinch State Park
• Amelia Island State Park

Museums and Historical Sites

• Amelia Island Museum of History
• Fort Clinch State Park and Historic Site
• Fernandina Beach Historic District

Performing Arts

• Amelia Community Theatre
• Amelia Island Chamber Music Festival
• Fernandina Little Theatre

Shopping

• Historic Downtown Fernandina Beach
• Palmetto Walk Shopping Village
• Fernandina Beach MarketPlace

Parks and Gardens

• Central Park
• Fernandina Beach Harbor Marina
• Main Beach Park

Festivals and Fairs

• Isle of Eight Flags Shrimp Festival
• Amelia Island Chamber Music Festival
• Amelia Island Book Festival

Health and Wellness 

Fernandina Beach offers a range of health and wellness opportunities that cater to the needs of 55+ active adults. The area is within close proximity to major medical centers, such as Baptist Medical Center Nassau and UF Health North, which provide comprehensive healthcare services and specialized treatment options. 

For those interested in self-care and maintaining an active lifestyle, Fernandina Beach offers numerous opportunities. The area boasts several fitness centers and gyms that cater to different exercise preferences, providing fitness classes, equipment, and wellness programs tailored to individual needs. Additionally, residents can explore various outdoor activities to stay fit and enjoy the beautiful surroundings, including walking and biking trails, golf courses, and water-based activities like kayaking or paddleboarding.

Fernandina Beach also hosts farmers providing an excellent opportunity for residents to explore fresh local produce and artisanal goods. The Fernandina Beach Market Place farmers market is held every Saturday morning, offering a festive atmosphere and a wide array of products from local vendors. 

Recommended Itinerary for Visiting Area 55+ Communities

From stunning beaches to rich history and vibrant local culture, Fernandina Beach has something for everyone. Get ready to discover the highlights of this wonderful location and make an informed decision about buying a home in an area 55+ retirement community.

Day One

Morning:

• Start your day with a delicious breakfast at the Beach Diner, a local favorite known for its fresh and tasty breakfast or lunch options.
• Visit the Amelia Island Museum of History, where you can delve into the rich heritage of the region and learn about its captivating past.

Afternoon:

• Treat yourself to a delightful lunch at Tasty's Fresh Burgers and Fries, known for their mouthwatering burgers made with locally sourced ingredients.
• Enjoy a leisurely stroll along the scenic Main Beach Park, soaking in the beautiful ocean views and feeling the sand between your toes.

Evening:

• Experience the vibrant downtown atmosphere by exploring Centre Street, lined with charming shops and boutiques.
• Indulge in a memorable dinner at David's Restaurant and Lounge, a fine dining restaurant offering a diverse menu of fresh seafood and other delectable dishes.

Day Two

Morning:

• Begin your day with a cup of coffee and a light breakfast at Amelia Island Coffee, a cozy local café.
• Meet with your local 55places expert retirement community partner agent to discuss your retirement plans and explore potential retirement community options.

Afternoon:

• Delight in a delicious lunch at Timoti's Seafood Shak, serving up tasty seafood dishes made with locally sourced ingredients.
• Immerse yourself in the natural beauty of the area by visiting Fort Clinch State Park, where you can explore historic fortifications and enjoy scenic trails.

Evening:

• Savor a memorable dinner at Espana Restaurant and Tapas, offering a delightful fusion of Spanish and Mediterranean flavors.
• Experience the enchanting sunset views at Fernandina Beach Harbor Marina, where you can take a leisurely stroll along the waterfront.

Getting to Fernandina Beach, FL

Fernandina Beach is easily accessible through various transportation options. Whether you're traveling from nearby areas or across the country, here are directions to help you reach this beautiful coastal town:

Flying:

The closest major airport to Fernandina Beach is Jacksonville International Airport (JAX), located approximately 30 miles southwest of the town. Several airlines operate at JAX, including American Airlines, Delta Air Lines, United Airlines, and Southwest Airlines. 

Driving:

• If you're driving from the north, take Interstate 95 South and use Exit 373 to merge onto FL-200/FL-A1A toward Yulee/Callahan/Fernandina Beach. Follow FL-A1A until you reach Fernandina Beach.
• If you're driving from the south, take Interstate 95 North and use Exit 373 for FL-200/FL-A1A toward Yulee/Callahan/Fernandina Beach. Follow FL-A1A until you reach Fernandina Beach.

By Train/Bus:

• Amtrak train services are available in Jacksonville, FL, which is about a 30-mile drive from Fernandina Beach. From there, you can rent a car or take a local bus to reach your destination. 
• Bus services are provided by Greyhound, with the nearest station located in Jacksonville.