97371 Harbor Concourse Cir , Fernandina Beach, FL 32034
$438,000
- 4
- beds
- 2
- baths
- 2,511
- sqft
- 2019
- year built
$438,000
97371 Harbor Concourse Cir , Fernandina Beach, FL 32034
- 4
- beds
- 2
- baths
- 2,511
- sqft
- 2019
- year built
- Status:
- Active
- MLS #:
- 117646
- Neighborhood:
- Harbor Concourse
- County:
- Nassau
- Listed By:
- Martha Parra - WATSON REALTY CORP.
- Agent Phone:
- (863) 738-3020
- Agent Email:
- marthaparra@watsonrealtycorp.com
Sponsoring Broker: Derek Eisenberg, Continental Real Estate Group, Inc
SELLER'S LENDER OFFERING LOW INTEREST ASSUMABLE VA MORTGAGE UPON QUALIFICATION and LOWEST PRICE PER SQUARE FOOT IN HARBOR CONCOURSE! Exceptional space, style, and beautiful pond views at an outstanding value! Now offered at $438,000, this impressive 4-bedroom, 2.5-bath home features 2,511 square feet of thoughtfully designed living space in one of the community's largest floor plans. Built in 2019, this Dream Finders Riverside B floor plan welcomes you with an open, light-filled interior, wide-plank flooring, upgraded lighting, and stylish finishes. The spacious gourmet kitchen is the heart of the home, featuring 42-inch shaker cabinetry, quartz countertops, marble backsplash, stainless steel appliances, and an oversized island ideal for entertaining. The expansive family room opens through dramatic 9' x 8' sliding glass doors to a covered lanai and extended patio overlooking a tranquil pond. Imagine morning coffee, sunset gatherings, and relaxing evenings enjoying your own peaceful waterfront setting! A separate dining room provides additional entertaining space, while all four bedrooms upstairs offer privacy from the main living areas. The generous primary suite features serene pond views, dual vanities, a separate shower, and ample closet space. Additional bedrooms provide flexibility for guests, a home office, or hobbies. Enjoy a full irrigation system, two-car garage, low HOA fees, and NO CDD FEES! Conveniently located just minutes from Amelia Island beaches, historic downtown Fernandina Beach, shopping, dining, and schools. Near Kings bay, Mayport and NAS naval bases. MORE SQUARE FOOTAGE. BEAUTIFUL POND VIEWS. AN UNBEATABLE VALUE IN HARBOR CONCOURSE! Schedule your private showing today!
Highlights
- Residential
- Built in 2019
- $660/yr HOA
- 2 Car Garage
- 25 days on Market
-
- Bedrooms
- 4
-
- Bathrooms
- 2
-
- Year Built
- 2019
-
- Stories
- 2.0
-
- Architectural Style
- Two Story
-
- Construction Materials
- Frame, Fiber Cement
-
- Garage Spaces
- 2.0
-
- Living Area
- 2511.0
-
- Appliances
- Dryer, Dishwasher, Microwave, Refrigerator, Washer, Disposal, Cooktop, Oven
-
- Patio And Porch
- Patio, Porch, Rear Porch
-
- Pool Features
- None
-
- Cooling
- Central Air, Electric
-
- Heating
- Heat Pump
-
- Water Front Features
- Pond
-
- Water
- Public
-
- Area
- Ar 7 Mainland, Sub 2
-
- County
- Nassau
-
- City
- Fernandina Beach
-
- Neighborhood
- Harbor Concourse
-
- Zip Code
- 32034
-
Ask a Question
ez Mortgage Calculator
Enter your details below to estimate your monthly mortgage payment with taxes, fees and insurance.
$
Please enter a valid number
Cost of the current home: $438000
$
%
Please enter a valid number
Cash you pay when you close
Affects interest rates. 30- or 15- year loans are standard.
%
Default rate is illustrative, set internally by ez Home Search and updated periodically; actual rates vary by lender, credit score, and market conditions.
$
%
Please enter a valid number
$
Please enter a valid number
Typically 0.25% of home value per year.
$
Please enter a valid number
Homeowners association dues.
$ 0
Monthly
Principal and interest:
Property Taxes:
Homeowners Insurance:
HOA Dues:
$0 (0%)
$0 (0%)
$0 (0%)
$0 (0%)
The ez Mortgage Calculator is for educational purposes only. Real-world interest rates and payments can differ due to factors like market trends, location, and loan specifics. Calculations are based on your inputs and might not consider extra costs a lender may add, such as insurance, taxes, and fees; thus, actual repayments could surpass estimates. Please note, ez Home Search does not provide loans, and this tool does not promise lending.
Estimated Value
$465,500
Estimated Sales Price Range:
$437,570 - $493,430
Source: Constellation Data Labs
Price History
| 10/14/2026 | Listed | $438,000 |
| Source: Amelia Island Nassau County Association of REALTORS #117646 | ||
| 06/24/2026 | Off Market | — |
| Source: Amelia Island Nassau County Association of REALTORS #116504 | ||
| 05/04/2021 | Sold | $399,000 |
| Source: realMLS #1099248 | ||
| 03/23/2021 | Price Changed | $399,900 |
| Source: realMLS #1099248 | ||
| 03/11/2021 | Listed | $418,000 |
| Source: realMLS #1099248 | ||
| 03/22/2019 | Sold | $299,299 |
| Source: realMLS #977522 | ||
| 11/14/2023 | Price Changed | $299,298 |
| Source: realMLS #977522 | ||
| 01/31/2019 | Listed | $294,990 |
| Source: realMLS #977522 | ||
Source: MLS Data
Deed History
| 05/06/2021 | Warranty Deed | $399,000 |
| 03/26/2019 | Warranty Deed | $299,298 |
| 04/02/2018 | Warranty Deed | $60,000 |
Source: Public records via Constellation Data Labs
Mortgage History
| 05/06/2021 | VA | $413,364 |
| 03/26/2019 | FHA | $293,877 |
Source: Public records via Constellation Data Labs
What's your home worth?
Calculate your current home value within seconds.
Similar Listings
Look Throughout Fernandina Beach
There are currently 221 properties available in Fernandina Beach, with 3 under contract to close soon. Properties in the city have an average sale price of $989,850 and typically spend 98 days on the market before being sold.
Want to compare this property to others available for sale in the area? Use our search to find exactly what you want among our 2,000,000+ listings and to see incredible photos to show you what is possible.
With 7 zip codes in Nassau County, you have many options in the area. Be sure to claim your free ez Home Search account to make sure you get alerts when a property that meets your needs becomes available.
Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 97371 Harbor Concourse Cir?
We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 97371 Harbor Concourse Cir.
They know residentials in the area well and can give you the guidance you need to buy with confidence.
How do I get more information about 97371 Harbor Concourse Cir?
Click Ask a Question to talk with our team. You already know it is a 4 bed, 2 bath, listed for $438,000. We can talk through recent upgrades, potential seller motivation, how this residential compares to others in Fernandina Beach, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 97371 Harbor Concourse Cir?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 97371 Harbor Concourse Cir at around $2,493. This includes estimated property taxes and insurance.
Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.
How do I get pre-approved to buy 97371 Harbor Concourse Cir?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
Or, let us connect you with our preferred local lender in Nassau County. They will give you all of your available financing options, based on your specific situation and what is available to you.
Can I negotiate the asking price for 97371 Harbor Concourse Cir?
In most cases, yes. Whether 97371 Harbor Concourse Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Fernandina Beach's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 97371 Harbor Concourse Cir?
We can handle that for you. Our preferred local agent specializes in residentials in Fernandina Beach and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $438,000 with 2,511 sqft of space—that comes out to approximately $174 per square foot.
How long has this property been on the market?
97371 Harbor Concourse Cir was listed on October 14, 2026, which means it's been on the market for 25 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 2019, making it approximately 7 years old.
Is there an HOA fee for this property, and what does it cover?
This home has an HOA fee of $660 paid annually.
Is 97371 Harbor Concourse Cir still available for sale?
Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.
Source: ez Home Search, MLS Data
Popular Home Searches in Fernandina Beach, FL
Open Houses Near Fernandina Beach, FL
Land for Sale Near Fernandina Beach, FL
Townhomes for Sale Near Fernandina Beach, FL
Waterfront Homes for Sale Near Fernandina Beach, FL
Waterfront Condos for Sale Near Fernandina Beach, FL
Homes with Pools for Sale Near Fernandina Beach, FL
Gated Community Homes for Sale Near Fernandina Beach, FL
Homes with No Hoa for Sale Near Fernandina Beach, FL
Homes in Adult Communities for Sale Near Fernandina Beach, FL
Search Nearby Cities
Search Nearby Counties
Search Nearby Postal Codes
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of Amelia Island-Nassau County Association of Realtors®. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data ids deemed reliable but is not guaranteed accurate by the MLS. Copyright ©2026 Amelia Island-Nassau County Association of Realtors®. All rights reserved.
Last Updated: November 08, 2026 at 10:44PM | Source: Amelia Island Nassau County Association of REALTORS | MLS#: 117646