This home is in Amelia Concourse, Fernandina Beach — a waterfront home in Nassau County.
Sold·Closed Sep 24, 2026·5 days on market·Recent sales in Amelia Concourse·Amelia Concourse
94974 Windflower Trail
Fernandina Beach, FL 32034
10 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map
About this home
Amelia Concourse
Stunner alert! Welcome home to this beautifully upgraded 4-bedroom, 3-bathroom retreat in the highly desirable Amelia Concourse community, where thoughtful design, incredible outdoor living, and serene pond views offer the best of Florida living. From the moment you arrive, the immaculate landscaping and charming front porch set the tone for what awaits inside. Step through the door to soaring ceilings, abundant natural light, gorgeous wood-plank flooring, custom built-ins, and impressive upgrades throughout. At the heart of the home, the gourmet kitchen is perfectly positioned to take advantage of the stunning water views, with a light-filled breakfast nook overlooking the pond. The spacious family room is equally inviting, featuring custom built-in cabinetry, an electric fireplace, and a TV that conveys with the home, creating the perfect space to relax or entertain. The downstairs primary suite is a true retreat, complete with peaceful water views, a spa-like ensuite featuring a
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).
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Cost to own
Mortgage calculator
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,735 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 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 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
2025 property taxes (current owner): $7,780/yr
Estimated taxes if purchased at asking price: ~$8,800/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, NEFMLS.
History
Price & status history
- Sep 24, 2026Closed$530,000
- Aug 25, 2026Pending$530,000
- Aug 20, 2026Listed$530,000
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 $221/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $410,000 | $160 | 4/2.5 | 2,566 | 43 | 0.2 |
| 85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2026 | $432,000 | $214 | 3/2 | 2,022 | 25 | 0.4 |
| 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 |
| 95191 Poplar Way, Fernandina Beach, FL 32034Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $600,000 | $221 | 3/3 | 2,712 | 22 | 0.6 |
| 95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $569,900 | $238 | 4/3 | 2,396 | 98 | 0.7 |
| 84951 Fall River Parkway, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS FIRST COAST REALTY | Sep 2026 | $445,000 | $196 | 4/2 | 2,266 | 0 | 1.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
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Your Local Realtor

Krista Fracke
Broker Associate
This home sold on Sep 24, 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
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