Seismic reflection profiles and vibracores have revealed that an inner shelf, sand-ridge field has developed over the past few thousand years situated on an elevated, broad bedrock terrace. This terrace extends seaward of a major headland associated with the modern barrier-island coastline of west-central Florida. The overall geologic setting is a low-energy, sediment-starved, mixed siliciclastic/carbonate inner continental shelf supporting a thin sedimentary veneer. This veneer is arranged in a series of subparallel, shore-oblique, and to a minor extent, shore-parallel sand ridges. Seven major facies are present beneath the ridges, including a basal Neogene limestone gravel facies and a blue-green clay facies indicative of dominantly authigenic sedimentation. A major sequence boundary separates these older units from Holocene age, organic-rich mud facies (marsh), which grades upward into a muddy sand facies (lagoon or shallow open shelf/seagrass meadows). Cores reveal that the muddy shelf facies is either in sharp contact or grades upward into a shelly sand facies (ravinement or sudden termination of seagrass meadows). The shelly sand facies grades upward to a mixed siliciclastic/carbonate facies, which forms the sand ridges themselves. This mixed siliciclastic/carbonate facies differs from the sediment on the beach and shoreface, suggesting insignificant sediment exchange between the offshore ridges and the modern coastline. Additionally, the lack of early Holocene, pre-ridge facies in the troughs between the ridges suggests that the ridges themselves do not migrate laterally extensively. Radiocarbon dating has indicated that these sand ridges can form relatively quickly (∼1.3 ka) on relatively low-energy inner shelves once open-marine conditions are available, and that frequent, high-energy, storm-dominated conditions are not necessarily required. We suggest that the two inner shelf depositional models presented (open-shelf vs. migrating barrier-island) may have co-existed spatially and/or temporally to explain the distribution of facies and vertical facies contacts.