This home is in Fernandina Beach.

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Pending

Pending·104 days on market

93028 Harbor Court

Fernandina Beach, FL 32034

$475,000$291/sqftEst. $2,414/moMLS# 2138875

Beds

Baths

1,635

Sq Ft

2001

Built

Garage

Pool

About this home

Fernandina Beach

MOTIVATED SELLER! Better than new and beautifully renovated, this one-story home is located in the highly desirable Villages of Marsh Lakes. Offering 3 bedrooms, 2 bathrooms, and 1,635 square feet of thoughtfully designed living space, this home combines style, comfort, and convenience. Step inside to find new Cali coastal LVP flooring throughout, fresh interior paint, and updated lighting and ceiling fans that create a bright, modern feel. The kitchen is a standout with abundant cabinet and countertop space, new quartz countertops, a gas stove, and newer appliances including a dishwasher and wine cooler... perfect for everyday living and entertaining. The open, flexible floor plan flows seamlessly into the living area, featuring a custom built-in entertainment unit and stylish shiplap wall accents. Both bathrooms have been tastefully updated with tile finishes, and the home also includes custom closet systems and plantation shutters throughout.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,414

Principal & Interest: $2,414

Est. Taxes & Insurance: $604

Estimated Total Monthly

$3,018

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,414

Property taxesest. at asking price, Nassau County$656

HOAbilled semi-annually$107

Estimated total, before insurance$3,177/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	$360,578	$117,314	—
2024	$348,313	$113,300	—
2023	$322,406	$108,544	—
2022	$272,223	$103,926	—
2021	$213,907	$99,443	—
2020	$198,717	$97,380	—

2025 property taxes (current owner): $1,972/yr

Estimated taxes if purchased at asking price: ~$7,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2001)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,785 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

As 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

Jul 11, 2026Pending$475,000
Jul 7, 2026Price change$475,000−$24,000
Apr 7, 2026Listed$499,000

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

Features

Price$475,000

Price / Sq Ft$291

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,635

Acres0.11 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional, Villa

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address93028 Harbor Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionThe Villages Of Marsh Lakes

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size4,791.6 sq ft

Parcel Number372N28227W00090000

ZoningResidential

Amenities

AmenitiesPool, Pickleball, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingHeat Pump

CoolingCentral Air

FlooringLaminate, Tile

# of Stories1

LevelsOne