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For sale
  • Price cut: $4.9K (9/23)
    $449,000

    97368 Harbor Concourse Cir, Fernandina Beach, FL 32034

    4beds
    2,285sqft
    : 
    $3,166/mo
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    Single Family Residence
    Built in 2017
    7,405 Square Feet Lot
    $441,300 Zestimate®
    $196/sqft
    $55/mo HOA

    What's special

    Welcome to a home designed for the way life really happens—whether gathering with family and friends, working from home, welcoming extended family or simply enjoying room to spread out. Freshly painted inside just prior to listing, with an exterior that has been pressure washed, painted and sealed, this 4-bedroom, 3-bath home feels refreshed and ready for its next chapter. At the heart of the home, the gourmet kitchen blends style and function with a cooktop, decorative hood with corbels, wall oven and microwave, generous cabinetry and plenty of workspace. The kitchen flows easily into the breakfast area and living spaces, creating a natural connection for everyday living and entertaining. The spacious primary suite offers a private retreat with a large walk-in closet and expansive bath featuring a soaking tub, walk-in shower and dual vanities. Two additional bedrooms and a full bath are located on the main level, while upstairs, a generous room with its own closet and full bath offer exceptional flexibility—ideal home for multigenerational living, guests, a home office, media or game room. Outdoors, the covered lanai and quaint backyard provide a peaceful, manageable setting for morning coffee, an evening glass of wine or relaxed conversation. With versatile living spaces, a thoughtful floor plan and fresh updates inside and out, this home makes room not just for where you are today, but for whatever comes next.
    49 days
    500
    51

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Tracy Fendig 904-753-3572,

    KELLER WILLIAMS REALTY / FB OFFICE

    Source: AINCAR,MLS#: 117090MLS LogoOriginating MLS: Amelia Island-Nassau County Assoc of Realtors Inc

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Heating
      • Central, Electric
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Dishwasher, Microwave, Oven, Refrigerator, Water Softener Owned, Stove
      Features
      • Ceiling Fan(s), Cable TV, Window Treatments
      • Windows: Vinyl, Blinds
      Interior area
      • Total structure area: 2,285
      • Total interior livable area: 2,285 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Two Car Garage, Garage Door Opener
      • Garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Rear Porch, Covered, Front Porch, Open, Patio, Screened
      • Exterior features: Fence
      • Pool features: None
      Lot
      • Size: 7,405 Square Feet
      • Dimensions: .17
      Details
      • Parcel number: 292N28011500740000
      • Zoning: PUD
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Two Story
      • Property subtype: Single Family Residence
      Materials
      • Fiber Cement, Frame
      • Roof: Shingle
      Condition
      • Resale
      • Year built: 2017
      Details
      • Builder name: Dream Finders

      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: $660 annually
      Location
      • Region: Fernandina Beach

      Financial & listing details

      • Price per square foot: $196/sqft
      • Tax assessed value: $391,628
      • Annual tax amount: $2,401
      • Date on market: 8/21/2026
      • Cumulative days on market: 49 days
      • Listing terms: Cash,Conventional,Contract,FHA,VA Loan
      • Road surface type: Paved

        Estimated market value

        $441,300

        $419,000 - $463,000

        $3,336/mo

        Price history

        DateEventPrice
        9/23/2026Price change$449,000-1.1%$196/sqft
        Source: AINCAR #117090 Report a problem
        9/4/2026Price change$453,900-0.7%$199/sqft
        Source: AINCAR #117090 Report a problem
        8/21/2026Listed for sale$457,000+72.3%$200/sqft
        Source: AINCAR #117090 Report a problem
        10/10/2017Sold$265,181$116/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,401 +1.5%$193,849 +2.9%
        2024$2,366 +1.6%$188,386 +3%
        2023$2,328 +10.7%$182,899 +3%
        2022$2,102 -0.7%$177,572 +3%
        2021$2,118 +0.4%$172,400 +1.4%
        2020$2,110 +1.7%$170,020 +2.3%
        2019$2,075 $166,197 +1.9%
        2018$2,075 +1.1%$163,098 +443.7%
        2017$2,051 +310.9%$30,000
        2016$499 $30,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 32034

        Getting around

        0 / 100
        Car-Dependent
        33 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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