Experience the best of Fernandina Beach living in this beautifully maintained waterfront home located in the highly desirable Harbor Concourse community. Built by Dream Finders Homes, the popular Riverside B floor plan offers 4 bedrooms, 2.5 baths and over 2,500 square feet of thoughtfully designed living space.
The open-concept layout features wide-plank flooring throughout the main living areas, abundant natural light, upgraded lighting, and stylish farmhouse-inspired finishes. The upgraded gourmet kitchen is the heart of the home, showcasing 42-inch shaker cabinetry, quartz countertops, stainless steel appliances, a marble backsplash, and an oversized center island perfect for entertaining.
The spacious family room opens through a dramatic 9' x 8' sliding glass door to a covered lanai overlooking a tranquil pond, creating the ideal indoor-outdoor lifestyle. A separate dining area provides plenty of space for gatherings and special occasions.
The owner's retreat offers privacy and comfort with water views and a spa-like bath featuring dual vanities, a separate shower, and generous closet space. Upstairs, three additional bedrooms provide flexibility for family, guests, a home office, or hobby room.
Additional features include a full irrigation system, covered front entry, two-car garage, public water and sewer, low annual HOA fees, and no CDD fees.
Harbor Concourse is conveniently located just minutes from Amelia Island beaches, Historic Downtown Fernandina Beach, shopping, dining, medical facilities, schools, easy access to I-95 and 30 minutes to JAX airport. Enjoy waterfront views, modern upgrades, and an exceptional location in one of Nassau County's most sought-after communities.
Welcome home!
For sale
$469,000
97371 Harbor Concourse Cir, Fernandina Beach, FL 32034
4beds
2,511sqft
Single Family Residence
Built in 2019
5,662 Square Feet Lot
$452,800 Zestimate®
$187/sqft
$55/mo HOA
What's special
Stylish farmhouse-inspired finishesTwo-car garageAbundant natural lightUpgraded gourmet kitchenQuartz countertopsSpacious family roomOpen-concept layout
- 2 days |
- 457 |
- 25 |
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Martha Parra 863-738-3020,
WATSON REALTY CORP.
Source: AINCAR,MLS#: 116504
Originating MLS: Amelia Island-Nassau County Assoc of Realtors Inc
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- Partial bathrooms: 1
Heating
- Heat Pump
Cooling
- Central Air, Electric
Appliances
- Included: Dryer, Dishwasher, Disposal, Microwave, Oven, Refrigerator, Stove, Washer
Features
- Windows: Vinyl
Interior area
- Total structure area: 2,511
- Total interior livable area: 2,511 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Two Car Garage
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Open, Patio
- Pool features: None
- Waterfront features: Pond
Lot
- Size: 5,662 Square Feet
- Dimensions: 5,500 sq ft
Details
- Parcel number: 292N28011501420000
- Zoning: R-1
- 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: 2019
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
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: $187/sqft
- Tax assessed value: $378,923
- Annual tax amount: $5,344
- Date on market: 6/24/2026
- Cumulative days on market: 3 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Paved
Estimated market value
$452,800
$430,000 - $475,000
$2,938/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/24/2026 | Listed for sale | $469,000+17.5%$187/sqft |
Source: | ||
| 5/4/2021 | Sold | $399,000-0.2%$159/sqft |
Source: | ||
| 3/26/2021 | Pending sale | $399,900$159/sqft |
Source: | ||
| 3/23/2021 | Price change | $399,900-4.3%$159/sqft |
Source: | ||
| 3/12/2021 | Listed for sale | $418,000+39.7%$166/sqft |
Source: | ||
| 3/25/2019 | Listing removed | $299,298$119/sqft |
Source: DREAM FINDERS REALTY LLC #977522 Report a problem | ||
| 3/25/2019 | Pending sale | $299,298$119/sqft |
Source: DREAM FINDERS REALTY LLC #977522 Report a problem | ||
| 3/24/2019 | Listed for sale | $299,298$119/sqft |
Source: DREAM FINDERS REALTY LLC #977522 Report a problem | ||
| 3/22/2019 | Sold | $299,298$119/sqft |
Source: | ||
| 2/14/2019 | Pending sale | $299,298+1.5%$119/sqft |
Source: DREAM FINDERS REALTY LLC #977522 Report a problem | ||
| 2/1/2019 | Listed for sale | $294,990$117/sqft |
Source: DREAM FINDERS REALTY LLC #977522 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,344 -8.2% | $378,923 +5.4% |
| 2023 | $5,821 +17.3% | $359,555 +10% |
| 2022 | $4,963 +50.3% | $326,868 +32% |
| 2021 | $3,302 +0.2% | $247,684 +1.4% |
| 2020 | $3,295 +327% | $244,264 +442.8% |
| 2019 | $772 | $45,000 +12.5% |
| 2018 | $772 +22.8% | $40,000 +33.3% |
| 2017 | $629 +25.9% | $30,000 |
| 2016 | $499 | $30,000 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32034
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
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Nassau County
- Fernandina Beach
- 32034
- 97371 Harbor Concourse Cir
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