This home is in Amelia Concourse, Fernandina Beach — a waterfront home in Nassau County.
$345,000Sold3 bd · 2 ba · 1,551 sq ft
Sold·Closed Nov 12, 2026·55 days on market·Recent sales in Amelia Concourse·Amelia Concourse
95022 Windflower Trail
Fernandina Beach, FL 32034
9 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map
About this home
Amelia Concourse
Enjoy peaceful pond views from this well-designed home featuring an open layout that's ideal for both everyday living and entertaining. Tile and luxury vinyl plank flooring flow throughout the main living areas, while the kitchen is equipped with stainless steel appliances and overlooks the spacious living and dining spaces. The split-bedroom floor plan provides added privacy, and the covered screened patio offers the perfect spot to unwind while taking in the water views. Offering 3 bedrooms and 2 bathrooms, this home is located in the desirable Amelia Concourse community, where residents enjoy a resort-style pool, splash park, playground, clubhouse, and scenic green spaces. Conveniently located near shopping, dining, medical facilities, and highly rated Nassau County schools, with easy access to I-95 and just a short drive to Amelia Island's beaches, historic downtown Fernandina Beach, golf, and boating.
Next steps in Amelia Concourse
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).
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: material not specified — year not disclosed (home built 2012)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,732 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.
As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Scott Road Beach Access21 min drive · 100 parking spaces
Closest park or preserve
Big Talbot Island State Park31 min drive · 11.2 mi of trails
Closest public boat ramp
John F. Claxton (aka. Wilson Neck) Boat Rampabout 3 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 7 mi · Edwards Creek
Closest grocery store
Walmart Supercenter9 min drive · 464016 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $302,583 | $302,583 | — |
2025 property taxes (current owner): $4,431/yr
Estimated taxes if purchased at asking price: ~$5,500/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Nov 13, 2026Closed$372,500
- Sep 30, 2026Active Under Contract$372,500
- Sep 11, 2026Price change$372,500−$5,000
- Aug 21, 2026Price change$377,500−$2,400
- Aug 6, 2026Listed$379,900
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 $242/sq ft; this home is listed at $222/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95284 Orchid Blossom Trail, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jul 2026 | $410,000 | $275 | 3/2 | 1,492 | 57 | 0.2 |
| 95338 Cornflower Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2026 | $411,000 | $217 | 3/2 | 1,896 | 130 | 0.3 |
| 95208 Snapdragon Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2026 | $464,000 | $248 | 4/2 | 1,870 | 40 | 0.3 |
| 85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $475,000 | $242 | 3/2.5 | 1,964 | 137 | 0.5 |
| 85002 Williston Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $458,000 | $230 | 3/2.5 | 1,987 | 133 | 0.7 |
| 95422 Plum Loop, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $290,000 | $157 | 3/2 | 1,848 | 63 | 0.9 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Sold by: EXP REALTY LLC (buyer's brokerage)
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 Amelia Concourse
Amelia Concourse is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Amelia Concourse homes for sale →Keep looking
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Pending95109 Gladiolus PlaceFernandina Beach, FL 32034
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$364,900Est. $1,942/moWelcome home to 95109 Gladiolus Place! This stunning, move-in-ready 4-bedroom, 2-bathroom home offers modern,…
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For Sale95141 Gladiolus PlaceFernandina Beach, FL 32034
4 bd · 2 ba · 1,867 sq ft
$359,900Est. $1,916/moWelcome to 95141 Gladiolus Place! This move-in-ready Fernandina Beach gem offers a modern lifestyle on a premium lot…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 12, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines