Harbor Concourse
Homes for Sale in Fernandina Beach, FL

The band runs roughly from the low $400s to the high $400s on recent evidence: $418,000 closed April 2023 (Redfin), $475,900 closed August 2025 (Compass), $489,900 active (Raveis, 2025). Treat those as snapshots and price off the freshest closings; 142 homes produce only a handful of trades a year.

The no-CDD position is a pricing tailwind. Buyers cross-shopping Wildlight and Amelia Walk discover the CDD line in their payment estimates, and a comparable house here pencils to a lower monthly at the same sticker. That keeps demand steady even when newer-construction incentives flare up the road.

The dual spelling fragments the data: Harbor Concourse and Harbour Concourse both appear in MLS and portal records, and automated valuations frequently index only one. Check comps under both spellings before trusting any estimate, and expect appraisers to need the same nudge.

One builder, one loop, a handful of floor plans. Figures below come from third-party portal records: a $418,000 Redfin-reported closing in April 2023, a $475,900 Compass-reported closing in August 2025, and a $489,900 active 4BR via Raveis in 2025. Verify current pricing against the latest closed sales under both spellings of the street.

Roughly 1,800 to 2,100 sq ft, mostly single-story, and the lower edge of the price band; the $418,000 April 2023 closing (Redfin) is the kind of comp this segment produces. These move fastest because they hit the first-time and right-sizing budgets that mainland Nassau attracts.

Roughly 2,200 to 2,800 sq ft in one- and two-story layouts, anchoring the upper band: a 2,310 sq ft 4BR closed at $475,900 in August 2025 (Compass) and a 4BR was active at $489,900 (Raveis, 2025). The flex space and third bath in the larger plans carry households through the school years without a move.

With one circle road, the variables are lot backing (preserve or pond edges versus neighbor-to-neighbor), corner versus interior, and distance from the Amelia Concourse entrance. Backing premiums are modest here; condition and updates move price more than position does.

A deliberately light amenity set: enough shared space for the kids and the dogs, not enough to inflate the dues.

The community playground is the anchor amenity and the after-dinner gathering spot on a loop with this many young households. It is scaled to 142 homes, which means it actually gets used without getting crowded.

An open green space for pickup games, dogs, and birthday parties: the flexible shared yard that lets the individual lots stay manageable.

No pool, no clubhouse, no gate, and that is the point: the HOA stays around $53 a month because there is little to staff or insure. Buyers who want resort amenities should price Amelia Walk and Wildlight with their CDD lines attached and compare honestly.

The real amenity package is positional: Yulee retail minutes west, I-95 about seven miles out, and Amelia Island beaches a quick hop east. The location delivers what a clubhouse cannot, and nobody pays dues for it.

The SR 200 corridor in Yulee handles the daily load within minutes: groceries, pharmacies, hardware, and the growing big-box and restaurant lineup around the Wildlight and Lofton Creek nodes. The fuller retail and dining run goes over the bridge to Fernandina Beach, about fifteen to twenty minutes, or down I-95 to the Jacksonville north-side centers.

Harbor Concourse and Harbour Concourse both appear in county records, MLS entries, and portals, sometimes for adjacent houses on the same circle. Automated valuations and comp searches routinely miss half the data. Search both spellings, and make sure your appraiser does too.

A CDD line of a thousand-plus dollars a year on the competing communities is forty-plus thousand over a thirty-year hold before escalation, and it never builds equity. Harbor Concourse buyers effectively bank that difference, which is why the community holds value against shinier new product.

With homes built 2016 to 2019, roofs and HVAC are approaching the back half of their service lives across the community. Insurance carriers care about roof age in Florida; get the roof year, permit history, and four-point inspection early and price accordingly.

Nassau County is coastal, so on-island and marsh-adjacent homes carry more flood exposure than off-island inland communities; the Nassau County FEMA maps are the reference for any specific address.

The reliable move is to pull the FEMA flood designation for the exact Harbor Concourse address before you write an offer, since two homes in the same area can fall in different zones. A home in Zone X can cost far less to insure than one near water in Zone AE. Get a bindable flood and homeowners quote during your inspection period, so the cost is in your monthly math before you commit, not after.

The Yulee and Nassau corridor is served by AT&T and Xfinity (Comcast), with fiber expanding and the Wildlight area marketing gigabit service. If working from home matters, confirm the options, and fiber in particular, at the specific Harbor Concourse address rather than assuming.

Nassau County carries a lower effective property-tax rate than much of the metro, with a median effective rate near 0.98 percent, below the Florida median of about 1.10 percent. The Florida homestead exemption for 2026 is 51,411 dollars for those who qualify, and the deadline to file a new homestead exemption is March 1.

The trap to plan for is the post-sale reset: when you buy, the Save Our Homes cap from the previous owner ends and the assessed value resets to the new just value, so your second-year tax bill is often higher than the seller current one. Budget the true number, and confirm whether the specific home carries a CDD or other assessment that is billed separately from the millage and is not reduced by the homestead exemption.

The honest cross-shop list on the Amelia Concourse corridor is short, and it comes down to one trade: carrying cost versus amenities and newness.

Harbor Concourse wins on carrying cost and simplicity: no CDD, dues around $53 a month, and a complete, stabilized loop. It loses on amenities and newness; if a pool, clubhouse, and builder warranty top your list, one of the alternatives fits better. Run the all-in monthly on comparable houses before deciding the newer one is the better deal, because the carrying-cost gap is usually larger than the sticker gap suggests.

A guide that only sells you is an advertisement, so here is the honest cut on fit.