Direct lakefront views in back, lush green landscape in front—this stylishly upgraded home offers beauty in every direction. The flexible layout includes four bedrooms, three full baths, and a bonus flex room ideal for a home office, formal dining, or creative space. Step inside and you’re welcomed by a light-filled, open-concept design where the kitchen, dining, and family room connect effortlessly for easy, elegant living. Wide-plank wood-look tile floors flow throughout the main level, while the upstairs suite—perfect for guests or teens—is carpeted for cozy comfort and sound control. The kitchen shines with bright white 42" shaker cabinets, abundant granite counters, a four-seat breakfast bar, and a cheerful nook for casual meals. In the expansive family room, triple glass sliders fully recess to open the back wall to the screened lanai and panoramic water views—a high-end upgrade that turns everyday living into a retreat. The primary suite impresses with bay windows overlooking the lake, a coastal-inspired shiplap accent wall, a spacious walk-in closet, and a serene ensuite bath. Every bedroom and bath boasts thoughtful upgrades, including ceiling fans, designer lighting, framed mirrors, and custom tile. The upstairs ensuite fourth bedroom offers a private hideaway perfect for guests or extended stays. Additional features include a 2023 water heater, HVAC UV light for cleaner air, whole-home surge protection, 2023 washer/dryer, 2022 refrigerator, Ryobi mower, garage shelving, and more—all just minutes from top-rated Fernandina schools, Amelia Island’s pristine beaches, and the charming shops and cafés of its historic downtown.
Sold for $474,000
$474,000
97019 Harbor Concourse Cir, Fernandina Beach, FL 32034
4beds
2,310sqft
Single Family Residence
Built in 2018
5,501 Square Feet Lot
$470,300 Zestimate®
$205/sqft
$2,928 Estimated rent
Home value
$470,300
$428,000 - $517,000
$2,928/mo
Zestimate® history
Owner options
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$2,928/mo
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$2,928/mo
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$3,796/mo
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$3,796/mo
Est. payment
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List your homeWhat's special
Screened lanaiFour-seat breakfast barAbundant granite countersPanoramic water viewsWide-plank wood-look tile floorsLight-filled open-concept designDirect lakefront views
Zillow last checked:
Listing updated:
Listed by:
Adele Suddes 904-253-9760,
CENTURY 21 MILLER ELITE
Bought with:
Adele Suddes, 3436872
CENTURY 21 MILLER ELITE
Source: AINCAR,MLS#: 112893
Originating MLS: Amelia Island-Nassau County Assoc of Realtors Inc
Originating MLS: Amelia Island-Nassau County Assoc of Realtors IncFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Primary bedroom
- Description: Flooring: Tile
- Level: Main
- Dimensions: 19x15
Bedroom
- Description: Flooring: Tile
- Level: Main
- Dimensions: 6.05x11
Bedroom
- Description: Flooring: Tile
- Level: Main
- Dimensions: 10.08x10.10
Bedroom
- Description: Flooring: Carpet
- Level: Main
- Dimensions: 18x13
Primary bathroom
- Description: Flooring: Tile
- Level: Main
- Dimensions: 23x15
Bathroom
- Description: Flooring: Tile
- Level: Main
- Dimensions: 8.06x5.02
Bathroom
- Description: Flooring: Tile
- Level: Main
- Dimensions: 7.06x5.08
Breakfast room nook
- Description: Flooring: Tile
- Level: Main
- Dimensions: 6x5
Kitchen
- Description: Flooring: Tile
- Level: Main
- Dimensions: 13x10.9
Living room
- Description: Flooring: Tile
- Level: Main
- Dimensions: 15x18
Office
- Description: Flooring: Tile
- Level: Main
- Dimensions: 12x11
Utility room
- Description: Flooring: Tile
- Level: Main
- Dimensions: 7.1x5.05
Heating
- Heat Pump
Cooling
- Heat Pump
Appliances
- Included: Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Stove, Washer
Features
- Ceiling Fan(s), French Door(s)/Atrium Door(s), Split Bedrooms, Window Treatments
- Doors: French Doors
- Windows: Insulated Windows, Blinds
Interior area
- Total structure area: 2,310
- Total interior livable area: 2,310 sqft
Property
Parking
- Total spaces: 2
- Parking features: Two Car Garage, Garage Door Opener
- Garage spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Patio, Screened
- Exterior features: Sprinkler/Irrigation
- Pool features: None
- On waterfront: Yes
- Frontage type: Lakefront
Lot
- Size: 5,501 Square Feet
- Dimensions: 50 x 110
Details
- Parcel number: 292N28011500940000
- Zoning: PUD
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: One Story
- Property subtype: Single Family Residence
Materials
- Fiber Cement
- Roof: Shingle
Condition
- Resale
- Year built: 2018
Details
- Builder name: Dreamfinders
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available
Community & HOA
Community
- Subdivision: Harbor Concourse
HOA
- Has HOA: Yes
- HOA fee: $625 annually
Location
- Region: Fernandina Beach
Financial & listing details
- Price per square foot: $205/sqft
- Tax assessed value: $379,419
- Annual tax amount: $5,351
- Date on market: 7/4/2025
- Cumulative days on market: 28 days
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Road surface type: Paved
Price history
| Date | Event | Price |
|---|---|---|
| 9/11/2025 | Sold | $474,000-2.7%$205/sqft |
Source:  AINCAR #112893 Report a problem | ||
| 8/1/2025 | Pending sale | $487,000$211/sqft |
Source: AINCAR #112893 Report a problem | ||
| 7/28/2025 | Price change | $487,000-1.5%$211/sqft |
Source: AINCAR #112893 Report a problem | ||
| 7/4/2025 | Listed for sale | $494,500+8.7%$214/sqft |
Source: AINCAR #112893 Report a problem | ||
| 6/26/2023 | Sold | $455,000-1.1%$197/sqft |
Source: AINCAR #104484 Report a problem | ||
| 6/15/2023 | Pending sale | $459,900$199/sqft |
Source: AINCAR #104484 Report a problem | ||
| 6/14/2023 | Price change | $459,900-1.1%$199/sqft |
Source: AINCAR #104484 Report a problem | ||
| 5/28/2023 | Pending sale | $464,900$201/sqft |
Source: AINCAR #104484 Report a problem | ||
| 5/19/2023 | Listed for sale | $464,900$201/sqft |
Source: AINCAR #104484 Report a problem | ||
| 5/17/2023 | Pending sale | $464,900$201/sqft |
Source: AINCAR #104484 Report a problem | ||
| 5/11/2023 | Listed for sale | $464,900+66.9%$201/sqft |
Source: AINCAR #104484 Report a problem | ||
| 3/29/2018 | Sold | $278,595$121/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,351 -1.9% | $379,419 +18.3% |
| 2023 | $5,455 +17.9% | $320,683 +10% |
| 2022 | $4,629 +9.8% | $291,530 +10% |
| 2021 | $4,214 +6.3% | $265,027 +7.9% |
| 2020 | $3,966 -1.1% | $245,646 |
| 2019 | $4,011 | $245,646 +514.1% |
| 2018 | $4,011 +474.1% | $40,000 +33.3% |
| 2017 | $699 +40% | $30,000 |
| 2016 | $499 | $30,000 |
Find assessor info on the county website
Neighborhood: 32034
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Nearby schools
GreatSchools rating
- 8/10Emma Love Hardee Elementary SchoolGrades: 3-5Distance: 5.3 mi
- 6/10Fernandina Beach High SchoolGrades: PK,3,8-12Distance: 6.7 mi
- NASouthside Elementary SchoolGrades: PK-2Distance: 6 mi
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Estimated market value
$470,300
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Estimated market value
$470,300
- Florida
- Nassau County
- Fernandina Beach
- 32034
- 97019 Harbor Concourse Cir
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