This home is in The Villages Of Marsh Lakes, Fernandina Beach — a home near Fernandina Beach High School.
Sold·Closed Jul 31, 2026·96 days on market·Recent sales in The Villages Of Marsh Lakes·The Villages Of Marsh Lakes
93028 Harbor Court
Fernandina Beach, FL 32034
All The Villages Of Marsh Lakes homes for sale →Search The Villages Of Marsh Lakes on the map
About this home
The Villages Of Marsh Lakes
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.
Next steps in The Villages Of Marsh Lakes
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.
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 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.
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: ~$7,800/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.
History
Price & status history
- Aug 4, 2026Closed$475,000
- 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.
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 $265/sq ft; this home is listed at $291/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $615,000 | $296 | 4/2 | 2,075 | 122 | 0.5 |
| 95016 Piney Island Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $460,000 | $223 | 3/2.5 | 2,062 | 11 | 0.7 |
| 96303 Otter Run Drive, Fernandina Beach, FL 32034Listed by JPAR CITY AND BEACH | Jul 2026 | $355,000 | $224 | 3/2 | 1,585 | 62 | 0.9 |
| 95043 Paso Robles Court, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $685,000 | $385 | 2/2 | 1,778 | 86 | 1.2 |
| 942611 Old Nassauville Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $379,000 | $265 | 3/1.5 | 1,429 | 0 | 1.2 |
| 95421 Woodbridge Parkway, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $355,000 | $195 | 4/2 | 1,816 | 107 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA
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.
The neighborhood
About The Villages Of Marsh Lakes
The Villages Of Marsh Lakes is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all The Villages Of Marsh Lakes homes for sale →Keep looking
Similar homes in Fernandina Beach
Explore the area
More in The Villages Of Marsh Lakes
The Villages Of Marsh Lakes guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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
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