This home is in Fernandina Beach.

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Active Under Contract

Active Under Contract·61 days on market

97280 Harbor Concourse Circle

Fernandina Beach, FL 32034

$419,000$234/sqftEst. $2,230/moMLS# 2145394

Beds

Baths

1,787

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

OPEN HOUSE JUNE 13TH FROM 11AM TO 1PM! LIKE NEW HOME AND NO CDD. Come tour this beautiful and meticulously maintained home in Fernandina Beach. PRIDE OF OWNERSHIP shows as soon as you step in the front door. NO CARPET! Enjoy the open floor plan and enclosed Florida Room (additional 220sf) that gives you extra space for entertaining family during the holidays. EXTRAS: Coffered Ceiling in the main living area, large island in kitchen with Quartz Countertops, built in seat in breakfast nook for extra storage, bay windows in Owners suite, and so much more thoughtful additions that is a must see. Harbor Concourse is a small community with a Park like gathering area for community events and play area for the little ones. Close to shopping, dining and the beautiful beaches of Amelia Island and Historic Downtown. Don't miss the opportunity to see this one.

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,116

Principal & Interest: $2,116

Est. Taxes & Insurance: $529

Estimated Total Monthly

$2,646

*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$2,230

Property taxesest. at asking price, Nassau County$578

HOAbilled annually$58

Estimated total, before insurance$2,866/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	$355,222	$127,298	—
2024	$333,167	$123,003	—
2023	$321,684	$117,964	—
2022	$287,386	$113,072	—
2021	$231,505	$108,322	—
2020	$215,099	$106,136	—

2025 property taxes (current owner): $2,158/yr

Estimated taxes if purchased at asking price: ~$6,900/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 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: ~1,748 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

May 15, 2026Listed$419,000

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

Features

Price$419,000

Price / Sq Ft$234

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,787

Acres0.14 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address97280 Harbor Concourse Circle, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionHarbor Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,098.4 sq ft

Lot Dimensions44x110x59x110

Parcel Number292N28011500530000

ZoningPUD

Amenities

AmenitiesJogging Path, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewOther

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Instant Hot Water, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories1

LaundryIn Unit