Harbor Concourse
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of BEYCOME OF FLORIDA LLC · via realMLS
Over the 12 months ending 2026-09-12, 9 recorded sales closed at a median of $439,900, $231 per square foot, a median 48 days on market, sellers accepting 97% of original asking (-8% versus the prior year). Homes listed or recently sold were built 2017–2019; 9 of 9 report an HOA (median $55/mo); none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $5,840 ($5,330 with the full homestead exemption).
Harbor Concourse is a compact, newer-build pocket of Fernandina Beach — 142 homes built almost entirely between 2016 and 2020, with a median year built of 2018 and a median living area of 2,517 square feet. At a median price of $474,950 and $216.79 per square foot, pricing here tracks the age and size of the housing stock more than any single feature; this is a newer-construction community, and the numbers read that way.
Inventory is the real story right now: a single active listing against 142 homes, with 1.7 months of supply, which is why realmls still tags this a seller-leaning market even as the median price sits down 10.8% year-over-year on eight recorded closings. For a seller, thin inventory is the leverage. For a buyer, the trade-off is limited selection — a median 37 days on market suggests homes here aren't lingering, so a serious buyer needs to be ready to move when something comes up.
Harbor Concourse right now
🟡 Off the recent peak. The trailing-12-month median ($440K) is down 7.6% from the prior 12 months ($476K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending September 12. Confidence: Low (9 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harbor Concourse market snapshot (as of September 12, 2026): the median sale price is about $440K ($231 per sq ft over the trailing 12 months of closed sales), and a median 48 days on market for closed sales. The trailing-12-month median is down 8% from the prior 12 months, computed from record-level realMLS closed sales (9 closings in the current window).
Harbor Concourse is a 142-home, newer-construction pocket of Fernandina Beach built almost entirely between 2016 and 2020, with a reported amenity package of a playground, park, and jogging path (per MLS listing records — verify current access with the HOA).
The setting & the homes.
Aerial and on-site photos of Harbor Concourse. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Harbor ConcoursePhotos from realMLS listings in Harbor Concourse; content deemed reliable but not guaranteed.
Who Harbor Concourse is best for.
Best for
- Buyers looking for newer construction (built 2016–2020) near the $474,950 median price point
- Sellers who want to list into a seller-leaning market with only one active listing competing for buyer attention
- Buyers ready to act fast, since a median 37-day window often means there is only one home to choose from
Probably not for
- Buyers who want to compare several active listings side by side before deciding
- Buyers set on a home built well before 2016 or well after 2020
- Sellers expecting pricing to hold at last year's level given the 10.8% year-over-year decline
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($440K) IS the median in the snapshot above, and the move from 2025 ($476K) IS the -7.6% one-year change.
Windows contain 5 to 29 sales each (9 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Harbor Concourse Market Scorecard
Harbor Concourse is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32034 ZIP is $615,846, about 26.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Harbor Concourse, Fernandina Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Harbor Concourse on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Harbor Concourse
- Playground · reported on 8 of 9 listings
- Park · reported on 2 of 9 listings
- Jogging Path · reported on 1 of 9 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Harbor Concourse are close: the nearest groceries is about 4 minutes away.
- Winn Dixie · Groceries4 min
- Aloha Bagel Too · Dining4 min
- Shoppes at Amelia Concourse · Shopping5 min
- Mccafe · Coffee5 min
- Melton O. Nelson Memorial Park · Parks7 min
- UF Health Wildlight Ambulatory Care Center · Health13 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Wildlight Elementary (Nassau, Amelia Concourse corridor zone, verify)FLDOE grade A · Public PreK-5
- Yulee Middle School (Nassau, verify)FLDOE grade A · Public 6-8
- Yulee High School (Nassau, verify)FLDOE grade A · Public 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Nassau County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Harbor Concourse address.
The Harbor Concourse buying strategy.
If we were buying in Harbor Concourse today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harbor Concourse.
New construction, thin supply
Every home in this snapshot was built in the 2016–2020 window, with a median year built of 2018 — one of the newer housing stocks Momentum tracks in Nassau County. Median living area runs 2,517 square feet, and that size, combined with the build era, is what anchors the $474,950 median price and $216.79 median price per square foot. Roughly 77% of homes here carry a homestead exemption.
With only one active listing against 142 homes and 1.7 months of supply, Harbor Concourse is functioning as a seller-leaning market by realmls's own classification, even though the market heat score sits at a modest 25 and the median price is down 10.8% year-over-year. Eight closings in the trailing window and a median 37 days on market point to a small, slow-turning pool of transactions rather than a high-volume corridor — treat any single sale here as thin-market data, not a trend line.
The location and the amenities are priced into every listing in Harbor Concourse. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Communities this size and this thin on inventory are exactly where a hand-prepared valuation matters more than an automated number — with a single active listing and eight closings feeding the whole read, Momentum's Nassau County team pulls the realmls history on Harbor Concourse directly rather than leaning on a broader Fernandina Beach average, and prices new listings, offers, and counters against what has actually closed here.
Harbor Concourse in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$660/year
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Harbor Concourse buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harbor Concourse sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Concourse, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Concourse home worth?
Get a no-obligation home value based on real comparable sales in Harbor Concourse, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fernandina Beach →
Recently off market in Harbor Concourse
Homes in Harbor Concourse that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 10 on record.
- 81543 Boatswain Court · off market
- 81744 Mainsheet Court · off market
- 97049 Harbor Concourse Circle · off market
- 97150 Harbor Concourse Circle · off market
- 97159 Harbor Concourse Circle · off market
- 97166 Harbor Concourse Circle · off market
- 97202 Harbor Concourse Circle Circle · off market
- 97280 Harbor Concourse Circle · off market
Frequently Asked Questions
What is the median home price in Harbor Concourse?
How long do homes in Harbor Concourse take to sell?
What schools serve Harbor Concourse?
Who is the best real estate agent for Harbor Concourse?
How do I find a top Fernandina Beach real estate agent who knows Harbor Concourse?
Can Momentum Realty connect me with an agent for Harbor Concourse?
Should you buy in Harbor Concourse?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Harbor Concourse with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2016 (159 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harbor Concourse fits the bigger picture — live prices, inventory, and Momentum Scores: