Harbor Concourse
Homes for Sale in Fernandina Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
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
🟡 Balanced market. 2.7 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 5, 2026. Confidence: Medium (2 active and pending listings, 9 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($474K) is down 13.8% from the prior 12 months ($550K). 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 August 5. Confidence: Low (9 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 5, 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 August 5, 2026): the median sale price is about $474K ($228 per sq ft over the trailing 12 months of closed sales), a median 34 days on market for closed sales, and 2.7 months of supply, a balanced market. The trailing-12-month median is down 14% from the prior 12 months, computed from record-level realMLS closed sales (9 closings in the current window).
Harbor Concourse is a community of 142 homes in Fernandina Beach, Nassau County, built between 2016 and 2020 (median 2018.0), with a median living area of about 2,517 square feet. 77% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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 August 5 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($474K) IS the median in the snapshot above, and the move from 2025 ($550K) IS the -13.8% one-year change.
Windows contain 3 to 28 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Nassau County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Harbor Concourse Market Scorecard
Harbor Concourse is currently a strong seller's market. About 1.7 months of supply, a median asking price of $428,000, and homes go under contract in about 118 days.
Typical home value in the 32034 ZIP is $617,903, about 26.4% 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.
Homes For Sale Right Now in Harbor Concourse
Live MLS inventory for Harbor Concourse. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Harbor Concourse listings as of 2026-08-05, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbor Concourse buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.4). Basis: Recent Direction -13.8% year-over-year; Liquidity & Demand 2.7 months of supply; Owner Commitment 77% owner-occupied; Pricing Power 97.1% sale-to-list. Refreshed with each data update.
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
- Mandatory HOA — confirm current dues
- 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 homes for sale in Harbor Concourse on the map →
Frequently Asked Questions
What is the median home price in Harbor Concourse?
How long do homes in Harbor Concourse take to sell?
Is Harbor Concourse a buyer's or seller's market right now?
How many homes are in Harbor Concourse?
What share of Harbor Concourse is owner-occupied?
When were the homes in Harbor Concourse built?
Do cash buyers compete in Harbor Concourse?
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: August 5, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 5, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (6 streets, ZIP 32034/32097)) |
| Under-contract shares | realMLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2016 (157 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 your area comps.
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