$428,000
97150 HARBOR CONCOURSE Circle, Fernandina Beach, FL 32034, Fernandina Beach, FL 32034
Harbor Concourse
- Price
- $428,000
- Beds / Baths
- 3 / 3
- Living area
- 1,843 sqft
- Year built
- 2018
- Type
- Residential
- Lot
- 0.13 ac
- Garage
- 2
- HOA
- $55/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 177
$232/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 8% below the area's closed prices. Condition and lot vary; that's what a showing is for.
MOTIVATED SELLERS. Bring offers. Immaculately maintained ''like new'' home, used only as a second home. No CDD Fees. Ideally located just minutes from Fernandina Beach and Amelia Island, this 3BR/2.5BA home offers 1,843 sq ft with a bright open floor plan designed for easy living and entertaining. Enjoy a spacious primary suite with a soaking tub, walk-in closets in every bedroom, a chef's kitchen, and a wood-burning fireplace. Relax on the screened porch overlooking a fully fenced backyard with peaceful preserve views and an additional patio perfect for grilling after a day at the beach, marina, golf course, or fishing. Convenient to parks, boating, historic downtown, recreational sports, Jax Airport & luxury coastal amenities, this move-in-ready home is ideal as a primary residence or second home. Two-car garage, tons of builder upgrades, neighborhood playground, A-rated schools,Furniture negotiable. Lifestyle photos of nearby sites
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate if in AE/VE
- Confirm roof age and get current insurance quote—2018 build should be insurable
- Review HOA covenants for rental restrictions if investment/second-home use intended
- Inspect plumbing for any polybutylene; verify all systems from builder warranty docs
- Walk all mechanicals—HVAC, water heater, electrical panel—confirm no deferred maintenance
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $342,400 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 27, 2026, 4:49 PM.
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