FEMA Zone X — flood insurance generally not federally required
Built 2013 · 13 yrs
$168/sq ft — compared with the displayed median of $194 from recent nearby sales
New to market
HOA ~$50/mo (estimate; confirm)
This listing is shown at $485,000, with 4 bedrooms and 4 bathrooms, and 2,890 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms4
Living area2,890 sq ft
Lot sizeNot available on this page
Year built2013
Property typeSingle Family Residence
Financial
Est. monthly payment$3,131
Est. taxes / yr~$4,559
Est. insurance / yr~$2,057
HOA$50/mo
CDDNone on record
Price / sq ft$168
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$2,057/yr
Market
Days on market3
Neighborhood median DOM47
Active listings (area)7
Months of supply6.0
Comparable-sales median$517,450
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
61/100
A rules-based composite of the objective indicators below. Higher is generally more favorable to a buyer on that single metric.
Price vs area84
This home $168/sq ft vs area median $194/sq ft from recent nearby sales.
Affordability60
List price $485,000 vs area median $517,450. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost78
From FEMA Zone X and a 2013 build. Obtain a property-specific quote.
Market liquidity45
Area median 47 days on market, ~6.0 months of supply.
Investment metrics29
Objective supply and demand metrics for the area - not investment advice.
Renovation upside34
From a 2013 build and $168/sq ft vs area $194/sq ft. Not a condition assessment.
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.
Listing facts & disclosures
$485,000
List price
As listed in the MLS
4 / 4
Bed / bath
Per the listing
2,890
Living area
Sq ft (approx.)
$168
Price / sq ft
List ÷ living area
The home
Year built2013
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$4,559/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Price benchmark
Pricing & market trend in Amelia Concourse
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $554,880 – $575,110
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.
$554,880the mess$575,110
A 4% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 3 days on market vs. a ~47-day neighborhood median
7 active listings competing in Amelia Concourse
3 under contract now
30% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈6.0 months of supply (one market-context metric; should not be used alone)
Median sale price is up 19% over the last 27 months
Homes here sell at about 98.2% of list price
14 closed here in the last 12 months
For reference, this home is listed at $485,000 ($168/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: 2,890 sq ft × $192–$199/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 2, 2026.
Market analysis
Amelia Concourse market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
7Active listings
3Under contract
0New this month
6.0Months of supply
47Median days on market
30%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$485,000
Bed / bath4 / 4
Living area2,890 sq ft
Year built2013
Property typeSingle Family Residence
MLS #2153171
Listing statusNew — 3 days on market
Days on market3
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountyNassau
Estimated first-year tax~$4,559/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$168
Estimated monthly payment$3,131
Estimated insurance~$2,057/yr
Messtimate range$554,880 – $575,110
Comparable-sales median$517,450
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,131
Principal & interest$2,529
Property tax$380
Insurance$171
CDD assessment$0
HOA$50
PMI$0
Down payment $97,000 · Loan $388,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$4,559/yr
The seller likely pays less due to the homestead cap. At a $485,000 purchase, expect your first full-year Nassau bill near $4,559 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$2,057/yr
Estimate for a 2013 build in Nassau. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/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
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Amelia Concourse
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 Amelia Concourse neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$517,450
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$194
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$168
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Amelia Concourse
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.
Mar 2026 · Infrastructure
Second roundabout opens on William Burgess Boulevard at Liberty Cove Parkway
Nassau County opened a new roundabout where William Burgess Boulevard meets Liberty Cove Parkway following a final inspection. It was built by developer Greg Matovina and Associates under a developer agreement, with Burnham Construction as contractor. It is the second roundabout to open along the William Burgess corridor in the same week.
Why it matters: Added roundabouts along William Burgess Boulevard may smooth traffic flow on the corridor that links the Amelia Concourse area toward Florida 200 and Interstate 95.
Roundabout opens at William Burgess Boulevard and Harts Road
A roundabout at William Burgess Boulevard and Harts Road opened after a final Nassau County inspection. It was built by developer Greg Matovina and Associates through a developer agreement, with Holland Contractors as the contractor. The county noted the project took longer than anticipated due to construction challenges.
Why it matters: Improved intersections on William Burgess Boulevard could ease travel through a corridor that has been absorbing steady residential growth near Amelia Concourse.
Wildlight names first builders for new Garden District phase in Yulee
Wildlight announced Ashton Woods, David Weekley Homes, Perry Homes, and Toll Brothers as the first builders for its Garden District in Yulee. The district spans 4,700 acres with about 2,000 acres of conservation land and is planned for roughly 4,100 homes at full build-out. First model homes are expected to open in mid 2026.
Why it matters: A new builder lineup in the Yulee area may broaden new-construction options available to buyers shopping the wider Nassau County corridor.
Mass grading application signals progress on Shoppes at Yulee
An environmental resource permit application for mass grading of about 25.71 acres at Florida 200 and Interstate 95 pointed to early site work for the proposed Shoppes at Yulee. The plan shows a roughly 175,360 square foot anchor, 701 parking spaces, and four outparcels. The project still required county review.
Why it matters: A large-format retail anchor near the Interstate 95 interchange could expand shopping options reachable from the Yulee corridor near Amelia Concourse, though approvals remained pending.
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.
Yulee Primary SchoolPreK-2 · Nassau County School District
Yulee Elementary School3-5 · Nassau County School District
Yulee Middle School6-8 · Nassau County School District
Yulee High School9-12 · Nassau County School District
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 Jan 2026
$540,000
95023 ORCHID Place, Fernandina Beach
4 / 4 bd/ba · 2,956 sq ft · $183/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Sold Jun 2026
$534,900
95330 SNAPDRAGON Drive, Fernandina Beach
4 / 3 bd/ba · 2,756 sq ft · $194/sq ft
Courtesy of LPT REALTY LLC · View details →
Sold May 2026
$548,000
95301 CORNFLOWER Drive, Fernandina Beach
4 / 3 bd/ba · 2,756 sq ft · $199/sq ft
Courtesy of MARK SPAIN REAL ESTATE · View details →
Sold Dec 2025
$477,000
94915 WINDFLOWER Trail, Fernandina Beach
4 / 3 bd/ba · 2,484 sq ft · $192/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold May 2026
$500,000
95185 ORCHID BLOSSOM Trail, Fernandina Beach
4 / 3 bd/ba · 2,383 sq ft · $210/sq ft
Courtesy of SUMMER HOUSE REALTY · View details →
Sold Jun 2026
$440,000
95362 CORNFLOWER Drive, Fernandina Beach
4 / 3 bd/ba · 2,285 sq ft · $193/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Median of the set: $194/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.
Keep looking
Similar homes for sale near Amelia Concourse
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Welcome to this well-maintained 4-bedroom, 4-bath home tucked away on a desirable cul-de-sac street lot. Offering a flexible bonus space that can easily function as a 5th bedroom, office, or flex room. This home provides plenty of room to fit your lifestyle. Recent updates include fresh interior paint in the downstairs living areas and all bedrooms, along with upgraded LED lighting throughout for a bright, modern feel. The home sits on an oversized quarter-acre lot with a fully fenced backyard, screened paver patio, and a spacious three-car garage. The kitchen features granite countertops, dark cabinetry, stainless steel appliances, a large prep island with pendant lighting, and 2 dining areas. The owner's retreat is generously sized with tray ceilings, a walk-in closet, and a private bath complete with dual vanities, a soaking tub, and separate shower. Newly enhanced landscaping adds beautiful curb appeal. Located in Amelia Concourse Subdivision featuring a pool with water slides and a playground. Convenient to highly rated schools, shopping, hospitals, dining, 9 miles to the beach, and 8 miles to 95. Don't miss your chance to own your own piece of paradise here in Fernandina Beach! Off-island home with Fernandina Beach address and LOW HOA fees.
Description provided by ONE SOTHEBY'S INTERNATIONAL REALTY and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms4
Living area2,890 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2013
Age13 yrs
Listing
MLS #2153171
StatusActive
Days on market3
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $485,000Momentum Realty · on market 3 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 95199 WINDFLOWER Trail 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.
Momentum Realty · licensed in FL & GA
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.
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.
