95161 LOCK Street Fernandina Beach, FL $ 425,000
95161 LOCK Street
$ 425,000
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95161 LOCK Street

Fernandina Beach, FL, 32034
$ 425,000
Bedrooms3 Baths2.0 Sq 1,895

Monthly Estimate*

$ 2,617

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Single Family Home for sale in Fernandina Beach, FL

for $425,000 with 3 bedrooms and 2 full baths. This 1,895 square foot home was built in 2024 on a lot size of 0.32.

Welcome to 95161 Lock St in Concourse Crossing - a beautifully maintained 2024-built home situated on one of the largest lots in the community at .32 acres! Backing to a preserve for added privacy, this property offers the perfect combination of newer construction, upgrades, and outdoor space that's hard to find. Located in the smaller, phase 2 section of Concourse Crossing, this area features all single-family homes and a charming green space nearby perfect for kids or dogs to play. Enjoy the benefits of NO CDD fees and a low annual HOA while still being conveniently located near shopping, dining, and everyday conveniences. This one-owner home features 3 bedrooms PLUS AN OFFICE with thoughtful upgrades already completed after closing, saving the next owner time and expense. Interior features include luxury vinyl plank flooring throughout with absolutely no carpet, custom barn doors on the office, upgraded kitchen faucet, kitchen cabinet hardware, and a brand-new dishwasher. The open layout feels bright and welcoming, while the cute front porch adds to the home's curb appeal and charm. Step outside and enjoy the fully fenced backyard overlooking the preserve, screened lanai, gutters, security cameras, and plenty of room to relax or entertain. The garage has also been upgraded with durable epoxy floors, and a glass storm door adds additional natural light and style to the entryway. Why wait to build when this nearly new home already has the upgrades done for you? Schedule your showing today!

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Single Family Active

Price

$ 425,000

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 5,180

Style

Single Family Residence

Lot Size

0.32

Year Built

2024

Town/City

Fernandina Beach

County/Region

Nassau

MLS | Web ID

2144240

Features
Interior
Interior Amenities Ceiling Fan(s) Open Floorplan Primary Bathroom - Shower No Tub Split Bedrooms Walk-In Closet(s)
Flooring Vinyl
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Half Baths 0
Total Bedrooms 3
Total Baths 2
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General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Electricity Connected
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher Dryer Electric Range Electric Water Heater Microwave Refrigerator Washer
HOA Fee 970.0
Garage Spaces 2.0
Patio/Porch Features Porch Rear Porch Screened
Construction Materials Frame
Year Built 2024
View Trees/Woods
Stories Count 1
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Current Use Residential
Parcel Number 292N28033000820000
Assoc Fee Paid Per Annually
County Nassau
New Construction 0
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name Concourse Crossing
Garage Y/N Y
Total Rooms 0
Full Baths 2
Status Active
Directions From 95 take State Rd 200 toward Fernandina Beach. In about 6 miles make a right onto Amelia Concourse. In roughly 3 and a half miles turn left on Lock St. The home will be on your left.
City Fernandina Beach
Senior Community Y/N N
Zoning Description PUD
MLS Area 472-Oneil/Nassaville/Holly Point
Lot Size Units Acres
Lot Size Square Feet 13939.2
Carport Y/N N
Listing Terms Cash Conventional FHA VA Loan
Property Attached Y/N N
Tax Annual Amount 5180.27
Home Warranty Y/N N
Lease Renewal Y/N N
MLS Area Minor 472-Oneil/Nassaville/Holly Point
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Active
Cash True
Conventional True
Accessory Dwelling Unit Y/N N
Water Body Access Y/N None
CDD N
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Exterior
Fencing Back Yard Vinyl
Parking Features Garage
Water Source Public
Lot Size Area 0.32
Spa N
Lot Size Acres 0.32
Road Surface Type Asphalt
Waterfront Y/N N
Road Frontage Type City Street
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 95161
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* Excluded Features
List By
Watson Realty Corp

Broker

jensolomon@watsonrealtycorp.com

Email

Affordability Calculator

$3,048
Per Month
86%
14%
0%
Monthly Principal & Interest
$2,617
Monthly Property Taxes
$432
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
308105 Elementary School
308138 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
5/29/2026$425,000 -0.93% Price Down
5/8/2026$429,000 Listed Price

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95161 LOCK Street, Fernandina Beach, FL, 32034 is a Single Family Home for sale at $425,000 with 1,895 sqft and a lot size of 0.32. 95161 LOCK Street has 3 bedrooms, 2.0 baths, and was built in 2024. The property's zip code is 32034 which is in Fernandina Beach, FL