Active

$420,000

97150 HARBOR CONCOURSE Circle, Fernandina Beach, FL 32034

3beds

1,843sqft

$2,995/mo

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Single Family Residence

Built in 2018

-- sqft lot

$414,400 Zestimate^®

$228/sqft

$55/mo HOA

What's special

Additional outdoor patioScreened-in porchCozy wood-burning fireplaceNumerous builder upgradesFully fenced backyardPeaceful preserve views

1% Seller and Lender Credit for Rate Buy-down (Must use First Coast Mortgage Alliance for lender credit) Discover coastal living at its finest in this immaculately maintained 3-bedroom, 2.5-bath home, located just minutes from the beautiful beaches of Fernandina Beach and Amelia Island. This stunning home offers the perfect blend of comfort, style, and convenience. Step inside to a bright, inviting open floor plan featuring numerous builder upgrades, a cozy wood-burning fireplace, and a beautifully appointed chef's kitchen ideal for entertaining. Enjoy your morning coffee or unwind after a day at the beach on the screened-in porch overlooking a fully fenced backyard with peaceful preserve views. An additional outdoor patio creates the perfect setting for grilling and entertaining. Whether you're searching for a primary residence, coastal getaway, or second home, this move-in-ready gem offers the Florida lifestyle you've been dreaming of! FURNITURE NEGOTIABLE! MOTIVATED SELLERS!

1 day
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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3
Full bathrooms: 2
1/2 bathrooms: 1

Heating

Central, Electric

Cooling

Central Air, Electric

Appliances

Included: Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
Laundry: In Unit

Features

Breakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)
Flooring: Carpet, Tile
Number of fireplaces: 1
Fireplace features: Wood Burning

Interior area

Total interior livable area: 1,843 sqft

Property

Parking

Total spaces: 2
Parking features: Additional Parking
Garage spaces: 2

Features

Levels: Two
Stories: 2
Patio & porch: Covered, Patio, Screened
Fencing: Back Yard,Vinyl
Has view: Yes
View description: Protected Preserve

Lot

Features: Sprinklers In Front, Sprinklers In Rear

Details

Parcel number: 292N28011500330000
Zoning description: Residential

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

Fiber Cement
Roof: Shingle

Condition

New construction: No
Year built: 2018

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Electricity Connected, Sewer Connected, Water Connected

Community & HOA

Community

Security: Security System Owned, Smoke Detector(s)
Subdivision: Harbor Concourse

HOA

Has HOA: Yes
Amenities included: Playground
HOA fee: $660 annually
HOA name: PMSI
HOA phone: 800-374-6538
Second HOA fee: $250 one time

Location

Region: Fernandina Beach

Financial & listing details

Price per square foot: $228/sqft
Tax assessed value: $354,658
Annual tax amount: $5,325
Date on market: 10/14/2026
Listing terms: Cash,Conventional,FHA,VA Loan
Road surface type: Asphalt

Estimated market value

$414,400

$394,000 - $435,000

$2,752/mo

Price history

Date	Event	Price
10/14/2026	Listed for sale	$420,000-1.9%$228/sqft
Source: realMLS #2169257 Report a problem
9/8/2026	Listing removed	$428,000$232/sqft
Source: AINCAR #115347 Report a problem
6/26/2026	Price change	$428,000-1.6%$232/sqft
Source: realMLS #2133831 Report a problem
4/30/2026	Price change	$435,000-2%$236/sqft
Source: realMLS #2133831 Report a problem
4/1/2026	Price change	$443,999-2.8%$241/sqft
Source: realMLS #2133831 Report a problem
3/8/2026	Listed for sale	$457,000+83.4%$248/sqft
Source: realMLS #2133831 Report a problem
11/28/2018	Sold	$249,154$135/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$5,325 +6.6%	$354,658 +6.6%
2024	$4,997 +4.9%	$332,781 +19.6%
2023	$4,765 +18.3%	$278,220 +10%
2022	$4,028 +10%	$252,927 +10%
2021	$3,662 +5.9%	$229,934 +7.6%
2020	$3,457 -1.1%	$213,761 0%
2019	$3,497	$213,783 +434.5%
2018	$3,497 +456.4%	$40,000 +33.3%
2017	$629	$30,000