Single Family Residence in Marsh Lakes, Fernandina Beach · No CDD · Built 2027
Marsh Lakes · Fernandina Beach, FL 32034 · Nassau
Listing data updated September 19, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,960Sq Ft
2027Year Built
$337Per Sq Ft
2-car garageNew constructionNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
10% above
$/sq ft vs community
$337 here vs $305 median sold (12 mo)
Buyer leverage
Seller-leaning
20 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 19, 2026, 93034LP HARBOR Court in Marsh Lakes, Fernandina Beach is listed at $661,000 (1,960 sq ft, about $337 per sq ft). That is 17% below Marsh Lakes's median closed sale of $797,500 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $305/sq ft by about 10%. It has been 20 days on market, well inside the community's typical 42 days. Listing facts: new construction, HOA dues of $106/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2027
1,960 sq ft of living area
2-car garage
Listed at $661,000 — recent neighborhood median sale price ~$797,500 (nearby sales; deemed reliable, not an appraisal)
20 days on market
HOA $106/mo (per listing)
School district: Schools Marsh Lakes is in the Nassau County SchoolCommunity built 1990–2002Kitchen 251 · 6 min driveVITAS Healthcare · 6 min driveHoly Grounds Coffee House · 7 min drive
Momentum Research · Marsh Lakes
Pricing & the Marsh Lakes market
How this home is priced against recent nearby sales, and where Marsh Lakes has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Marsh Lakes
Each dot is a closed sale since 2002 (66 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $337/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Property timeline
This home’s history
2027BuiltPer public record
Sep 19, 2026First trackedObserved at $661,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$4,293/mo
Principal & interest $3,500/mo82%
Taxes $518/mo12%
Insurance $169/mo4%
HOA $106/mo2%
$4,293/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Strongest on: Affordability (79), Pricing power (70)
0 limited50100 exceptional
48/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area24
This home $337/sq ft vs the community 12-month median $305/sq ft.
Affordability79
List price $661,000 vs the community median $797,500. Not a measure of personal affordability.
Market liquidity59
Community median 42 days on market, ~4.0 months of supply (12-month record).
Renovation upside10
From a 2027 build and $337/sq ft vs the community median $305/sq ft. Not a condition assessment.
Pricing power70
Recent sales closed at about 93.9% of original asking (~6.1% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.0 months of supply in the surrounding market and 20 days on market for this home, against a 42-day area median.Days on market:this home 20Area median: 42 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 17, 2026.
🟡 Asking $337 per square foot, about 10% above the community’s $305 median. Marsh Lakes’s 12-month median sold price per square foot is $305. Median sold price per square foot is down 14.2% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
74% of homes in Marsh Lakes are owner-occupied. An estimated 26% are non-owner-occupied, including 14% held in a company or trust and 9% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 204 homes matched. Community-level context.
Recent Marsh Lakes sales closed near 93.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 17, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Marsh Lakes, no CDD assessment.
Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Bring your most meticulous buyers--this isn't standard builder grade! Located in the prestigious Marsh Lakes Village area just minutes from Amelia Island. Welcome clients by entering through an inviting portico into this gorgeous 3-bedroom, 2-bathroom home featuring a beautiful open floor plan and a two-car garage.
Built with premium 2x6 walls, a weatherization wrap, and high R-value insulation. Highlights include stunning quartz countertops, 42-inch upper cabinets with crown molding, a generous credit for custom light fixtures. Please review the attached features list in the document section for all specifications.
Community Pool and Tennis. Unimproved lot is listed in the MLS #
All 12 photos
Description provided by FERNANDINA BEACH REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$661,000
Bed / bath3 / 2
Living area1,960 sq ft
Year built2027
Property typeSingle Family Residence
Garage2-car
MLS #2164948
Listing status20 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyNassau
Area listings2 active · 0 under contract
Estimated first-year tax~$6,213/yr
CDD assessmentNone on record
HOA (per listing)$106/mo
Calculated estimates
Price per sq ft$337
Estimated monthly payment$4,293
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$797,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$525,280the mess$670,320
Actual list price: $661,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $106/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 20 days on market vs. a 42-day community median
3 active listings competing
≈4.0 months of supply
6 closed here in the last 12 months
For reference, this home is listed at $661,000 ($337/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,960 sq ft × $268–$342/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 19, 2026.
Keep looking
Similar homes for sale near Marsh Lakes
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
95080 Periwinkle Place, Fernandina Beach · $469,000 · 4 bd / 2.5 ba · listed September 16, 2026 (courtesy of INI REALTY)
95278 Katherine Street, Fernandina Beach · $419,000 · 3 bd / 2.0 ba · listed September 13, 2026 (courtesy of COLDWELL BANKER THE AMELIA GROUP)
2128 Amelia Road, Fernandina Beach · $649,999 · 3 bd / 3.0 ba · listed September 13, 2026 (courtesy of PALM III REALTY AND PROPERTY M)
233 Sandcastles Court Court #233, Fernandina Beach · $630,000 · 1 bd / 1.0 ba · listed September 12, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
940596 Old Nassauville Road, Fernandina Beach · $879,000 · 3 bd / 2.0 ba · listed September 11, 2026 (courtesy of ERA ONETEAM REALTY)
94145 Goodwood Drive, Fernandina Beach · $669,900 · 3 bd / 2.5 ba · listed September 11, 2026 (courtesy of FERNANDINA BEACH REALTY)
Listed for $661,000Momentum Realty · on market 20 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$6,213/yr
A rough first-year estimate only, applying a typical Nassau rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$106/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by FERNANDINA BEACH REALTY · MLS # 2164948
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Market data · public records
Recent sales activity in Marsh Lakes
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Marsh Lakes neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$797,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$305
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Marsh Lakes
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Builder
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 11 miles west of Marsh Lakes.
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 11 miles west of Marsh Lakes.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Taqueria El Rincon 10 min
Dining
Kitchen 251 6 min
Shopping
Amelia Plaza 10 min
Parks
Kids can be kids 12 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Emma Love HardeeAssigned elementary school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina BeachAssigned middle school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina BeachAssigned high school · Nassau County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$425,000
98081 PINTAIL Court, Fernandina Beach
3 / 2 bd/ba · 1,657 sq ft · $256/sq ft
Courtesy of CENTURY 21 MILLER ELITE LLC · View details →
Community 12-month median: $305/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,030 – $4,407/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,347 – −$108At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 93034LP HARBOR Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $106/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,960 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,213/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 19, 2026)
Community market stats
realMLS closed sales, as of September 17, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 93034LP HARBOR Court and when was it built?
Per the listing record, 93034LP HARBOR Court was built in 2027 and has 1,960 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 93034LP HARBOR Court in?
93034LP HARBOR Court is in Marsh Lakes in Fernandina Beach, Nassau County. The community section on this page shows recent closed sales, days on market, and active inventory for Marsh Lakes from the same MLS data.
Does 93034LP HARBOR Court have an HOA, and how much are the dues?
The listing reports HOA dues of $106 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 93034LP HARBOR Court differ from the current owner's?
The estimate on this page (about $6,213 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 93034LP HARBOR Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 93034LP HARBOR Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
