Fernandina Beach
Jacksonville
Two-jurisdiction split — Fernandina Beach restricts STR to R-3 (or grandfathered R-1/R-2) only with $300 permit + annual inspection, while unincorporated south island (Plantation/Summer Beach/American Beach) is FL-preempted permissive; Ritz-Carlton driven premium ADR ($340 median, $460 peak) with shoulder-season strength from Concours d'Elegance and Shrimp Festival.
FL FS 509.032(7)(b) preempts outright STR bans, but Fernandina Beach uses a pre-2011 grandfathered zoning ordinance restricting RRDPs to R-3 only — most of the historic city is R-1/R-2 and STR-prohibited unless grandfathered before Oct 3, 2000. Unincorporated Nassau County south island (Plantation, Summer Beach, American Beach) is permissive subject to sub-association HOA rules.
Fernandina Beach deep-dive: full report ships with your first pack.
Permitted zones, banned zones, HOA-permissive buildings, friendly PMs, ADR/LTR benchmarks, seasonality, and red flags — all delivered alongside your 50 ranked leads.