This home is in Fernandina Beach.

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Pending

Pending·262 days on market

23999 Creek Parke Circle

Fernandina Beach, FL 32034

$350,000$190/sqftEst. $1,779/moMLS# 2115817

Beds

Baths

1,839

Sq Ft

2000

Built

Garage

Pool

About this home

Fernandina Beach

Updated & Move-In Ready in Flora Parke with NO CDD! This beautifully updated 3-bedroom, 2-bath home offers 1,839 sq. ft. of well-designed living space in the sought-after Flora Parke community. Featuring smooth ceilings, a spacious open layout, and a private backyard, this home is perfect for both relaxing and entertaining. Enjoy peace of mind with a 2021 HVAC system and the confidence of a well-maintained, move-in ready property. The open kitchen and living areas create a bright and inviting atmosphere ideal for everyday living. Located just minutes from the beaches of Amelia Island, shopping, dining, and Jacksonville International Airport, this home combines comfort, style, and convenience in one great package. Don't miss your opportunity to call Flora Parke home—schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,779

Principal & Interest: $1,779

Est. Taxes & Insurance: $445

Estimated Total Monthly

$2,224

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$1,779

Property taxesest. at asking price, Nassau County$483

HOAbilled annually$40

Estimated total, before insurance$2,302/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$356,064	$302,801	—
2024	$339,270	$275,274	—
2023	$317,824	$250,249	—
2022	$254,846	$227,499	—
2021	$206,817	$206,817	—
2020	$185,699	$185,699	—

2024 property taxes (current owner): $4,707/yr

Estimated taxes if purchased at asking price: ~$5,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2000)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,691 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.