Owning a home in Amelia National Golf & Country Club in Fernandina Beach means three separate recurring charges, not one. The master HOA fee runs $899 or more per year, managed by Leland Management. On top of that, an annual Community Development District (CDD) assessment of either $1,415.40 or $1,905.00 lands on your property tax bill depending on your lot number. And a mandatory Lifestyle Club membership adds roughly $2,900 a year. Add them up and the baseline of ownership here is around $5,200 to $5,700 annually before you ever tee off.
That is the honest number most listings skip past. Below is exactly where each dollar goes, and why a gated Tom Fazio golf community west of historic Fernandina Beach is structured this way.
How much is the Amelia National HOA fee?
The Amelia National master HOA fee is $899 or more per year, administered by Leland Management (Community Association Manager Leilani Chamberlain, 904.420.0166). Its stated job is to "maintain property values and to insure efficient management of the overall community," with smaller sub-associations handling concerns specific to individual neighborhoods inside the gates.
Your HOA dollars cover the things that keep the place looking and running the way buyers expect: deed restriction enforcement, architectural review, controlled vehicular access, and the amenity center. That center includes a pool with a bath house, a meeting area, a training room, a covered lanai, a tot lot, and tennis courts, per the community's own HOA page. Compared with many gated communities, $899 is a modest master fee. The reason it stays modest is the CDD, which shoulders a large share of the infrastructure elsewhere.
What is the Amelia National CDD assessment?
The Amelia National CDD is an independent special-purpose government district created January 12, 2004 under Chapter 190, Florida Statutes, covering about 876.40 acres in Nassau County. It is one of six active CDDs the county recognizes. The district maintains stormwater ponds, conservation areas, and common areas outside the gates, including the road frontage, plantings, and signage out to Amelia Concourse.
You do not write the CDD a separate check. The assessment arrives as a non-ad valorem line on your annual property tax bill. For both FY 2025 and FY 2026, the official assessment schedules list identical figures, split by lot number:
| Lot range | O&M portion | Debt service portion | Annual total |
|---|---|---|---|
| Lots 1–481 | $449.00 | $966.40 | $1,415.40 |
| Lots 482–738 | $449.00 | $1,456.00 | $1,905.00 |
The debt service figure is the "Maximum Annual Debt Service," and the FY 2025 schedule notes the actual amount may be lower. That debt portion funded the roads, drainage, and infrastructure the district built, and it typically amortizes over 25 to 30 years, after which the debt slice falls away and the operating share is most of what remains. A local buyer's first question should always be which lot range a home sits in, because it is a $489.60 annual difference. The CDD's district manager is Venessa Ripoll at PFM Group Consulting (407-723-5900) if you want the current figure for a specific address.
Is the Lifestyle Club membership mandatory at Amelia National?
Yes. A Lifestyle Club membership is mandatory with any home purchase at Amelia National, and it runs approximately $2,900 a year in dues, plus an annual food and beverage minimum. That membership covers dining, the fitness center, the resort-style pool, and the eight Har-Tru clay tennis courts. Golf is not included.
If you want the Tom Fazio championship course (renovated in 2025), that is a separate Premier Golf Membership. Golf initiation fees range from $10,001 to $25,000, with annual dues of $5,001 to $10,000. So a golfing household could reasonably see total annual carrying costs north of $12,000, while a non-golfing household stays closer to the $5,200 to $5,700 baseline. Those golf figures come from third-party membership trackers and are estimates, so confirm current numbers with the club at 855.214.9967 before you count on them.
HOA vs. CDD: why two bills instead of one?
They fund different things and answer to different bodies. The HOA is a private homeowners association that enforces the covenants, controls architecture and gate access, and runs the neighborhood amenity center. The CDD is a unit of local government authorized under Florida law to finance, build, and maintain community-wide infrastructure: the stormwater system, conservation land, and the shared common areas out to the main road.
The practical upside of a CDD is that it spread the cost of building all that infrastructure across every homeowner over decades rather than baking it into a much higher purchase price or a much larger HOA fee. The bond portion is essentially a mortgage on the community's roads and drainage, and it is disclosed on the tax bill so nothing hides. Once you understand which bill covers what, the total stops feeling like a mystery.
What does it cost to buy a home in Amelia National?
Homes at Amelia National, located at 95211 Clubhouse Road about 10 minutes west of historic Fernandina Beach and 30 minutes north of Jacksonville, start in the $570s and run past $1.2 million. On the ICI Homes side, the 11 named floor plans range from 1,976 to 3,610 square feet, from the Juliette at $573,900 (1,976 sq ft, 3 bed, 2 bath) up to the Monica at $898,900 (3,488 sq ft, 4 bed, 4.5 bath). ICI Homes and Riverside Homes both build here, so inventory spans new construction and resale.
When you price a home in a golf community, the sticker is only the start. The recurring fees, the lot-number CDD split, and the golf-versus-lifestyle decision all change the real monthly math, and they are exactly the details that a buyer touring on a Saturday can miss. This is where working with an agent who knows Amelia Island street by street earns its keep: the team at Salt Harbor Real Estate can pull the current CDD figure for a specific address, confirm which membership tier a listing requires, and make sure the all-in cost matches the life you are picturing behind the gate.
Frequently asked questions
How much are HOA fees at Amelia National? The master HOA fee is $899 or more per year, managed by Leland Management. That is separate from the CDD assessment and the mandatory Lifestyle Club membership, so the true recurring cost of ownership is closer to $5,200 to $5,700 a year for a non-golfing household.
Do I pay the Amelia National CDD fee separately? No. The CDD assessment is collected as a non-ad valorem line on your annual Nassau County property tax bill, not paid directly to the HOA. It is $1,415.40 a year for lots 1–481 and $1,905.00 a year for lots 482–738, identical for FY 2025 and FY 2026.
Is club membership required to buy in Amelia National? Yes. A Lifestyle Club membership is mandatory with a home purchase and runs about $2,900 a year plus a food and beverage minimum. It covers dining, fitness, the resort-style pool, and tennis. Golf access is a separate Premier Golf Membership.
Will the CDD assessment ever go away? The operating (O&M) portion continues as long as the district exists, but the debt service portion, which is the larger share, amortizes over roughly 25 to 30 years. Once the infrastructure bonds are paid off, that slice drops away and only the operating cost remains.
Where is Amelia National located? Amelia National sits at 95211 Clubhouse Road, Fernandina Beach, FL 32034, roughly 10 minutes west of historic downtown Fernandina Beach and about 30 minutes north of Jacksonville, on approximately 876 acres in Nassau County.
Frequently asked questions
How much are HOA fees at Amelia National?
The master HOA fee is $899 or more per year, managed by Leland Management. That is separate from the CDD assessment and the mandatory Lifestyle Club membership, so the true recurring cost of ownership is closer to $5,200 to $5,700 a year for a non-golfing household.
Do I pay the Amelia National CDD fee separately?
No. The CDD assessment is collected as a non-ad valorem line on your annual Nassau County property tax bill, not paid directly to the HOA. It is $1,415.40 a year for lots 1 to 481 and $1,905.00 a year for lots 482 to 738, identical for FY 2025 and FY 2026.
Is club membership required to buy in Amelia National?
Yes. A Lifestyle Club membership is mandatory with a home purchase and runs about $2,900 a year plus a food and beverage minimum. It covers dining, fitness, the resort-style pool, and tennis. Golf access is a separate Premier Golf Membership.
Will the CDD assessment ever go away?
The operating (O&M) portion continues as long as the district exists, but the debt service portion, which is the larger share, amortizes over roughly 25 to 30 years. Once the infrastructure bonds are paid off, that slice drops away and only the operating cost remains.
Where is Amelia National located?
Amelia National sits at 95211 Clubhouse Road, Fernandina Beach, FL 32034, roughly 10 minutes west of historic downtown Fernandina Beach and about 30 minutes north of Jacksonville, on approximately 876 acres in Nassau County.