21 days on market (MLS)Single Family Residence▼ Price cut: $10,000 (9/29)
$409,000
3-Bedroom Home in Concourse Crossing
95278 Katherine Street, Fernandina Beach, FL 32034
Single Family Residence in Concourse Crossing, Fernandina Beach · No CDD on record · Built 2024
Concourse Crossing · Fernandina Beach, FL 32034 · Nassau County
Listing data updated October 5, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,895Sq Ft
2024Year Built
$216Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$216 here vs $213 median sold (12 mo)
Buyer leverage
Strong seller market
21 days on market
1.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 5, 2026, 95278 KATHERINE Street in Concourse Crossing, Fernandina Beach is listed at $409,000 (1,895 sq ft, about $216 per sq ft). It has been 21 days on market. Listing facts: built in 2024, HOA dues of $81/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
1,895 sq ft of living area
2-car garage
Listed at $409,000 — recent neighborhood median sale price ~$409,990 (nearby sales; deemed reliable, not an appraisal)
21 days on market
HOA $81/mo (per listing)
School district: HOA Not gated County Nassau County Florida Schools Nassau County SchoolsCommunity built 2022–2025Goffinsville Nassau River Park · 3 min driveThe Hidden Crab · 5 min driveEllianos Coffee · 5 min drive
Listing description
About this home
Beautiful Single Story home, PLUS most FURNITURE and Washer/Dryer. Positioned across from neighborhood green space and near community trail with preserve views from the screened porch. NO CDD fees/LOW HOA fee!
The front porch welcomes you in into a spacious foyer and open concept design filled with natural light. The interior features luxury vinyl plank floors with tile in primary bath, a chef-inspired kitchen with quartz counters, island seating, stainless appliances and corner pantry. The kitchen flows into the dining area and living room, with access to the covered porch.
The owner's suite provides a relaxing retreat with tray ceiling, walk-in closet, luxurious bath with soaking tub, separate shower, dual-sink vanity, and water closet. A privacy door off the kitchen creates a separate retreat for guests or family, allowing the office/den, guest rooms and guest bath to be closed off from the main living area. Minutes from Amelia Island.
Near shopping, dining, Airport and Kings Bay.
All 46 photos
Description provided by COLDWELL BANKER THE AMELIA GROUP and reproduced from the MLS; not independently verified.
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$409,000
Bed / bath3 / 2
Living area1,895 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #2164667
Listing status21 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~16 ft
CountyNassau
Area listings4 active · 1 under contract
Estimated first-year tax~$4,775/yr
CDD assessmentNone on record
HOA$81/mo
Calculated estimates
Price per sq ft$216
Estimated monthly payment$2,831
Insurance (illustrative)$1k–$2k/yr
Messtimate range$358,155 – $409,320
Comparable-sales median$409,990
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
Financing
Estimated monthly payment
$2,831/mo
Principal & interest $2,239/mo79%
Taxes $398/mo14%
Insurance $113/mo4%
HOA $81/mo3%
$2,831/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Nassau County rate (13.28 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $3,875/yr ($323/mo) — taxable value $292,005 × 13.28 mills
$900 more each year
(+23%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$342,727
Market value
$342,727
Assessed
$292,005
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/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
$81/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~16 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Concourse Crossing
Pricing & the Concourse Crossing market
How this home is priced against recent nearby sales, and where Concourse Crossing 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.
Property timeline
This home’s history
2024BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 21 cumulative days on market as of October 5, 2026
Sep 14, 2026First seen on movewithmomentum.comObserved at $419,000
Sep 29, 2026Price cut$409,000 (-$10,000, -2.4%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $409,000Momentum Realty · on market 21 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Concourse Crossing in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$408,000
95161 LOCK Street, Fernandina Beach
3 / 2 bd/ba · 1,895 sq ft · $215/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Feb 2026
$409,990
96645 STILLPOINT Way, Fernandina Beach
3 / 2 bd/ba · 1,895 sq ft · $216/sq ft
Courtesy of CENTURY COMMUNITIES OF FLORIDA · View details →
Sold Feb 2026
$409,990
96501 STILLPOINT Way, Fernandina Beach
3 / 2 bd/ba · 1,895 sq ft · $216/sq ft
Courtesy of CENTURY COMMUNITIES OF FLORIDA · View details →
Sold Feb 2026
$400,000
96477 STILLPOINT Way, Fernandina Beach
3 / 2 bd/ba · 1,895 sq ft · $211/sq ft
Courtesy of CENTURY COMMUNITIES OF FLORIDA · View details →
Sold Jul 2026
$420,000
95252 TERRIS Way, Fernandina Beach
4 / 2.5 bd/ba · 2,225 sq ft · $189/sq ft
Courtesy of FERNANDINA BEACH REALTY · View details →
Sold Mar 2026
$425,000
95958 SURREY Place, Fernandina Beach
4 / 2.5 bd/ba · 2,285 sq ft · $186/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Median of these 6 sales: $409,990 ($213/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$358,155the mess$409,320
Stronger local evidence — 6 comparable closed sales in Concourse Crossing, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $409,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 14% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $81/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:
4 active listings competing, 2 under contract
≈1.9 months of supply
21 closed here in the last 12 months
For reference, this home is listed at $409,000 ($216/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 1,895 sq ft × $189–$216/sq ft (interquartile band of 6 comparable closed sales in Concourse Crossing, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 5, 2026.
Momentum Scores
Momentum Property Score
55/100
Strongest on: Market liquidity (69), Affordability (50)
0 limited50100 exceptional
55/100 is solid, mid-pack 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 area46
This home $216/sq ft vs the community 12-month median $213/sq ft.
Affordability50
List price $409,000 vs the community median $409,990. Not a measure of personal affordability.
Market liquidity69
Community inventory, ~1.9 months of supply (12-month record).
Coverage: 3 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and 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. 1.9 months of supply in the surrounding market and 21 days on market for this home, against a 107-day area median.Days on market:this home 21Area median: 107 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 7, 2026.
🟡 Asking $216 per square foot, about in line with the community’s $213 median. Concourse Crossing’s 12-month median sold price per square foot is $213. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
32% of homes in Concourse Crossing are owner-occupied. An estimated 68% are non-owner-occupied, including 11% held in a company or trust and 19% 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), 111 homes matched. Community-level context.
What’s unique here: one of only 4 active listings in Concourse Crossing, no CDD assessment.
Updated October 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by COLDWELL BANKER THE AMELIA GROUP · MLS # 2164667
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Keep looking
Similar homes for sale near Concourse Crossing
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.
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 northwest of Concourse Crossing.
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 northwest of Concourse Crossing.
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.
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
Yulee Elementary SchoolPublic Elementary, Nassau County · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee Middle SchoolPublic 6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee High SchoolPublic 9-12 · Nassau County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn Dixie 7 min
Dining
The Hidden Crab 5 min
Shopping
Villages of Amelia 7 min
Parks
Goffinsville Nassau River Park 3 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 95278 KATHERINE Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $81/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 1,895 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 $4,775/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $900 more per year than the current owner’s estimated bill (+23%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 5, 2026)
Comparable sales
realMLS closed sales in Concourse Crossing, last 18 months, as of September 7, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 95278 KATHERINE Street and when was it built?
Per the listing record, 95278 KATHERINE Street was built in 2024 and has 1,895 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 95278 KATHERINE Street in?
95278 KATHERINE Street is in Concourse Crossing in Fernandina Beach, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 95278 KATHERINE Street have an HOA, and how much are the dues?
The listing reports HOA dues of $81 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 95278 KATHERINE Street differ from the current owner's?
The estimate on this page (about $4,775 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $900 more per year than the current owner’s estimated bill (+23%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 95278 KATHERINE Street 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 95278 KATHERINE Street 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
