This home is in Fernandina Beach.

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Active

Active·246 days on market

95446 Woodbridge Parkway

Fernandina Beach, FL 32034

$386,000$213/sqftEst. $1,962/moMLS# 2118069

Beds

Baths

1,816

Sq Ft

2019

Built

Garage

Pool

About this home

Fernandina Beach

Located in Fernandina Beach and less than ten minutes from the shoreline, this spacious 4-bedroom, 2-bath Richmond American home offers over 1,800 square feet of modern, comfortable living and is truly move-in ready. Built in 2021, the home has been exceptionally well maintained and features an inviting open floor plan with split bedrooms for added privacy. The generous primary suite includes a huge walk-in closet, and the additional bedrooms are perfectly sized for family, guests, or a home office. The kitchen boasts a large central island that provides excellent prep space and seating, making it an ideal spot for entertaining or everyday meals. The open layout flows seamlessly into the living and dining areas, creating a bright and welcoming atmosphere. Step outside to your own backyard retreat. A screened-in lanai opens to a fully fenced yard that overlooks a peaceful preserve and serene pond—perfect for morning coffee, relaxing evenings, or outdoor gatherings. With no CDD

Cost to own

Mortgage calculator

Home Price

$386,000

Down Payment: 20%

$77,200

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,962

Principal & Interest: $1,962

Est. Taxes & Insurance: $490

Estimated Total Monthly

$2,452

*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$1,962

Property taxesest. at asking price, Nassau County$533

HOAbilled annually$33

Estimated total, before insurance$2,527/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

Last sold: $375,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$348,515	$348,515	—
2024	$326,788	$326,788	—
2023	$294,021	$166,705	—
2022	$255,763	$160,393	—
2021	$213,621	$154,265	—
2020	$213,324	$151,445	—

2024 property taxes (current owner): $5,107/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,758 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

As of July 2026, 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.

History