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97019 Harbor Concourse Circle, Fernandina Beach, FL 32034

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For Sale

$494,500

4 beds • 3 baths • 2,310 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • 2018
    Year built

  • $214.07
    Price per square foot

  • 2 Car Garage
    Garage Count

Explore this Property

Direct lakefront views in back, lush green landscape in front-this stylishly upgraded home offers beauty in every direction. The flexible layout includes four bedrooms, three full baths, and a bonus flex room ideal for a home office, formal dining, or creative space. Step inside and you're welcomed by a light-filled, open-concept design where the kitchen, dining, and family room connect effortlessly for easy, elegant living. Wide-plank wood-look tile floors flow throughout the main level, while the upstairs suite-perfect for guests or teens-is carpeted for cozy comfort and sound control. The kitchen shines with bright white 42" shaker cabinets, abundant granite counters, a four-seat breakfast bar, and a cheerful nook for casual meals. In the expansive family room, triple glass sliders fully recess to open the back wall to the screened lanai and panoramic water views-a high-end upgrade that turns everyday living into a retreat. The primary suite impresses with bay windows overlooking the lake, a coastal-inspired shiplap accent wall, a spacious walk-in closet, and a serene ensuite bath. Every bedroom and bath boasts thoughtful upgrades, including ceiling fans, designer lighting, framed mirrors, and custom tile. The upstairs ensuite fourth bedroom offers a private hideaway perfect for guests or extended stays. Additional features include a 2023 water heater, HVAC UV light for cleaner air, whole-home surge protection, 2023 washer/dryer, 2022 refrigerator, Ryobi mower, garage shelving, and more-all just minutes from top-rated Fernandina schools, Amelia Island's pristine beaches, and the charming shops and caf s of its historic downtown.
MLS# 112893, 2096962

Listed By CENTURY 21 Miller Elite

Property Features

  • Appliances
    Dishwasher, Dryer, Garbage Disposal, Microwave, Range / Oven, Refrigerator, Washer
  • Area Amenities
    Area Pool
  • Exterior
    Sprinkler System
  • Exterior Living Space
    Patio
  • Garage Count
    2 Car Garage
  • Heating Type
    Heat Pump
  • Interior
    Blinds
  • Location
    Lakefront
  • Lot Size
    0.13 Acres
  • Sewer
    Public
  • Style
    Other Style
  • Water
    Municipal Water

Home seller Meet the Agent,
Adele Suddes

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Adele Suddes

of CENTURY 21 Miller Elite

License: SL3436872
(904) 253-9760
Learn More About Me

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
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  • Property Taxes
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  • Hazard Insurance
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  • Private Mortgage Insurance
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  • HOA Dues
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Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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