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Sold·Closed May 11, 2026·54 days on market
97049 Harbor Concourse Circle
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome home to 97049 Harbor Concourse Circle.. As soon as you enter the front door, you'll be impressed by the coffered ceilings and crown molding, and especially the amazing view of the sparkling pond ! This extremely well maintained home also features a large kitchen island, rain gutters, rain shower head and dual sinks in the primary bathroom, and the extended lanai and patio that is perfect for outdoor cooking & dining. Harbor Concourse has low HOA and NO CDD FEE. Call for your appointment so you can live where others vacation and enjoy your own private sunsets overlooking the pond. Close to Jax International Airport, Mayport, King's Bay & JAX NAS. Also just a short drive to the famous white sandy beaches of Amelia Island and downtown Historic Fernandina Beach.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,723 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Scott Road Beach Accessabout 5 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 7 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 3 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 9 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:30 AM, sunset 6:53 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,786/yr
Estimated taxes if purchased at asking price: ~$7,300/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $251/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 97166 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $395,000 | $231 | 3/2 | 1,707 | 14 | 0.1 |
| 81543 Boatswain Court, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Jul 2026 | $468,000 | $241 | 3/2 | 1,939 | 34 | 0.1 |
| 97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $405,000 | $227 | 3/2 | 1,787 | 89 | 0.2 |
| 95161 Lock Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $408,000 | $215 | 3/2 | 1,895 | 89 | 0.3 |
| 95252 Terris Way, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Jul 2026 | $420,000 | $189 | 4/2.5 | 2,225 | 128 | 0.4 |
| 95422 Plum Loop, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $290,000 | $157 | 3/2 | 1,848 | 63 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Sold by: ISLAND SIDE REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 11, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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