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95161 LOCK Street, Fernandina Beach, FL 32034

$425,000
MLS# 2144240
3
Bedrooms
2
Bathrooms
1,895
Sq Ft
2024
Year Built

About This Home — 95161 LOCK Street

Welcome to 95161 Lock St in Concourse Crossing - a beautifully maintained 2024-built home situated on one of the largest lots in the community at .32 acres! Backing to a preserve for added privacy, this property offers the perfect combination of newer construction, upgrades, and outdoor space that's hard to find. Located in the smaller, phase 2 section of Concourse Crossing, this area features all single-family homes and a charming green space nearby perfect for kids or dogs to play. Enjoy the benefits of NO CDD fees and a low annual HOA while still being conveniently located near shopping, dining, and everyday conveniences. This one-owner home features 3 bedrooms PLUS AN OFFICE with thoughtful upgrades already completed after closing, saving the next owner time and expense. Interior features include luxury vinyl plank flooring throughout with absolutely no carpet, custom barn doors on the office, upgraded kitchen faucet, kitchen cabinet hardware, and a brand-new dishwasher. The open

Features

Price$425,000
Price / Sq Ft$224
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,895
Acres0.32 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address95161 LOCK Street, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionConcourse Crossing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size13,939.2 sq ft
Parcel Number292N28033000820000
ZoningPUD

Amenities

UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Patio / PorchPorch, Rear Porch, Screened
FencingBack Yard, Vinyl
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 8, 2026
Days on Market22
HOA Fees$970 / Annually
HOA FrequencyAnnually
Tax Amount$5,180.27
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$425,000
$85,000
Loan Term
Monthly Payment
$2,262
Principal & Interest: $2,262
Est. Taxes & Insurance: $566
Estimated Total Monthly
$2,828
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: WATSON REALTY CORPJENNIFER SOLOMON · jensolomon@watsonrealtycorp.com

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida