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.
For sale
Price cut: $4.9K (9/23)
$449,000
97368 Harbor Concourse Cir, Fernandina Beach, FL 32034
4beds
2,285sqft
Single Family Residence
Built in 2017
7,405 Square Feet Lot
$441,300 Zestimate®
$196/sqft
$55/mo HOA
What's special
- 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#: 117090
Originating 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
| Date | Event | Price |
|---|---|---|
| 9/23/2026 | Price change | $449,000-1.1%$196/sqft |
Source: | ||
| 9/4/2026 | Price change | $453,900-0.7%$199/sqft |
Source: | ||
| 8/21/2026 | Listed for sale | $457,000+72.3%$200/sqft |
Source: | ||
| 10/10/2017 | Sold | $265,181$116/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax 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





