This home is in Fernandina Beach.
Active·175 days on market
97150 Harbor Concourse Circle
Fernandina Beach, FL 32034
About this home
Fernandina Beach
MOTIVATED SELLERS. Bring offers. 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, Jax 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
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).
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 homeAs of July 2026, this 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.
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines