97019 Harbor Concourse Circle, Fernandina Beach, Florida 32034

Direct lakefront views in back, lush green landscape in front—this stylishly upgraded home offers beauty in every direction. The flexible layout includes four bedrooms, three full baths, and a bonus flex room ideal for a home office, formal dining, or creative space. Step inside and you're welcomed by a light-filled, open-concept design where the kitchen, dining, and family room connect effortlessly for easy, elegant living. Wide-plank wood-look tile floors flow throughout the main level, while the upstairs suite—perfect for guests or teens—is carpeted for cozy comfort and sound control. The kitchen shines with bright white 42" shaker cabinets, abundant granite counters, a four-seat breakfast bar, and a cheerful nook for casual meals. In the expansive family room, triple glass sliders fully recess to open the back wall to the screened lanai and panoramic water views—a high-end upgrade that turns everyday living into a retreat. The primary suite impresses with bay windows overlooking the lake, a coastal-inspired shiplap accent wall, a spacious walk-in closet, and a serene ensuite bath. Every bedroom and bath boasts thoughtful upgrades, including ceiling fans, designer lighting, framed mirrors, and custom tile. The upstairs ensuite fourth bedroom offers a private hideaway perfect for guests or extended stays. Additional features include a 2023 water heater, HVAC UV light for cleaner air, whole-home surge protection, 2023 washer/dryer, 2022 refrigerator, Ryobi mower, garage shelving, and more—all just minutes from top-rated Fernandina schools, Amelia Island's pristine beaches, and the charming shops and cafés of its historic downtown.