This home is in Fernandina Beach.

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Pending

Pending·146 days on market

32446 Sunny Parke Drive

Fernandina Beach, FL 32034

$449,900$205/sqftEst. $2,287/moMLS# 2128399

Beds

Baths

2,191

Sq Ft

2009

Built

Garage

Pool

About this home

Fernandina Beach

From the moment you step inside, you can feel the warmth of this beautifully designed 4-bedroom, 2-bath home. The thoughtfully laid-out split floor plan provides privacy for the primary suite while the additional bedrooms are positioned on the opposite side of the home. The spacious owner's suite comes with a walk-in closet and en-suite bath with separate soaking tub, tiled shower, and dual sinks in the expansive vanity. A versatile office/flex space with elegant French doors creates the perfect setting for working from home, a playroom, or a quiet retreat, complete with a Murphy bed, allowing for a 5th, non-conforming bedroom. The spacious living area flows seamlessly through double glass sliding doors into a screened lanai, extending your entertaining space outdoors. The outdoor kitchen, complete with new grill and new fridge, overlooks the garden and fully fenced backyard--perfect for pets, play, or peaceful relaxation. NO CDD!

Cost to own

Mortgage calculator

Home Price

$449,900

Down Payment: 20%

$89,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,287

Principal & Interest: $2,287

Est. Taxes & Insurance: $572

Estimated Total Monthly

$2,858

*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$2,287

Property taxesest. at asking price, Nassau County$621

HOAbilled annually$39

Estimated total, before insurance$2,947/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: $442,500 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$425,984	$361,117	—
2024	$400,232	$350,232	—
2023	$376,165	$376,165	—
2022	$299,117	$200,088	—
2021	$242,804	$192,804	—
2020	$225,362	$134,652	—

2025 property taxes (current owner): $5,703/yr

Estimated taxes if purchased at asking price: ~$7,500/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 2009)

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

Solar potential: ~1,771 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.