This home is in Fernandina Beach.

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Active

Active·129 days on market

97150 Harbor Concourse Circle

Fernandina Beach, FL 32034

$428,000$232/sqftEst. $2,278/moMLS# 2133831

Beds

Baths

1,843

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

Experience the coastal lifestyle in this immaculately maintained ''like new'' home, used only as a second home. No CDD Fees. Ideally located just minutes from Fernandina Beach and Amelia Island, this 3BR/2.5BA home offers 1,843 sq ft with a bright open floor plan designed for easy living and entertaining. Enjoy a spacious primary suite with a soaking tub, walk-in closets in every bedroom, a chef's kitchen, and a wood-burning fireplace. Relax on the screened porch overlooking a fully fenced backyard with peaceful preserve views and an additional patio perfect for grilling after a day at the beach, marina, golf course, or fishing. Convenient to parks, boating, historic downtown, recreational sports, Jacksonville International Airport & luxury coastal amenities, this move-in-ready home is ideal as a primary residence or second home. Two-car garage, tons of builder upgrades, neighborhood playground, A-rated schools,Furniture negotiable. Lifestyle photos of nearby sites

Cost to own

Mortgage calculator

Home Price

$428,000

Down Payment: 20%

$85,600

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,162

Principal & Interest: $2,162

Est. Taxes & Insurance: $540

Estimated Total Monthly

$2,702

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,278

Property taxesest. at asking price, Nassau County$591

HOAbilled annually$55

Estimated total, before insurance$2,924/mo

• 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$354,658	$336,646	—
2024	$332,781	$306,042	—
2023	$321,483	$278,220	—
2022	$285,300	$252,927	—
2021	$229,934	$229,934	—
2020	$213,761	$213,761	—

2025 property taxes (current owner): $5,325/yr

Estimated taxes if purchased at asking price: ~$7,100/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

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: ~1,769 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 8, 2026Listed$428,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$428,000

Price / Sq Ft$232

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,843

Acres0.13 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

Community Information

Address97150 Harbor Concourse Circle, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionHarbor Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size5,662.8 sq ft

Parcel Number292N28011500330000

ZoningResidential

Amenities

AmenitiesPlayground

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity System Owned, Smoke Detector(s)