This home is in Fernandina Beach.

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Active

Active·8 days on market

95443 Woodbridge Parkway

Fernandina Beach, FL 32034

$400,000$152/sqftEst. $2,129/moMLS# 2145236

Beds

Baths

2,640

Sq Ft

2020

Built

Garage

Pool

About this home

Fernandina Beach

Picture yourself at 95443 Woodbridge Pkwy, a residence designed for everyday comfort and practical living. The kitchen features all stainless steel appliances and a convenient island for meal preparation. The primary bathroom includes double sinks for functional ease. Outside, a covered patio extends to a fully fenced in backyard. A perfect blend of convenience and outdoor enjoyment awaits. Included 100-Day Home Warranty with buyer activation

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,021

Principal & Interest: $2,021

Est. Taxes & Insurance: $505

Estimated Total Monthly

$2,526

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,129

Property taxesest. at asking price, Nassau County$552

HOAbilled annually$32

Estimated total, before insurance$2,714/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	$430,147	$229,396	—
2024	$404,738	$222,083	—
2023	$361,680	$214,013	—
2022	$315,129	$260,129	—
2021	$253,571	$203,571	—
2020	$40,000	$40,000	—

2025 property taxes (current owner): $3,681/yr

Estimated taxes if purchased at asking price: ~$6,600/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 2020)

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

Solar potential: ~1,785 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History